How Insurers Determine If Your Car Is Totaled

Insurance agent.

You may have heard friends or family members who have been involved in light to moderate fender benders complain that their cars were “totaled.” Though this term is used colloquially to refer to any apparently extensive visible auto body damage that a car suffers after a collision, insurance companies have a more precise definition that they use to determine when a car has been “totaled.”

Car insurance companies will consider a vehicle “totaled” if it is damaged so badly that it is not worth repairing. Though the precise figure varies from company to company, most consider a car totaled when the cost to repair it exceeds 70% of the car’s value. Generally, older cars are more likely to be totaled in minor accidents, while it may take a very serious and potentially fatal collision to total a car that is less than two years old.

If you have been involved in a collision and your car was not totaled, contact Dave’s Body Shop to schedule repairs. Our auto body repair experts specialize in restoring cars to a like-new appearance after collisions. You can reach us by calling (888) 902-8220.