Wired Parish Legal Newsletter Home How to Tell a Car Is Considered Totaled

How to Tell a Car Is Considered Totaled

Will you buy repairable SUVs for sale? When a car is involved in a severe accident or sustains significant damage, insurance companies use specific criteria to determine if the vehicle is considered totaled or a total loss.

1. Extent of Damage: Insurance companies assess the extent of the damage to your vehicle. The percentage threshold varies between insurance companies and states.

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2. Salvage Value: Insurance adjusters also consider the potential salvage value of the vehicle. If the salvage value plus the cost of repairs surpasses the car’s ACV, it may be declared a total loss. Salvage value is the amount a damaged vehicle could fetch if sold for parts or repair.

3. State Regulations: Each state has its own specific threshold for declaring a vehicle a total loss. Be aware of your state’s laws and how they impact the decision.

4. Safety and Structural Damage: Even if the repair costs don’t exceed the threshold, a car may still be totaled if it has sustained severe structural or safety-related damage.

5. Age and Mileage: The age and mileage of the vehicle are considered when determining whether it’s totaled. Older cars with high mileage may be more likely to be declared totaled due to their lower ACV.

6. Pre-Accident Condition: If repairable SUVs for sale were in excellent condition and had a high value before the accident, they may have a better chance of being repaired.


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