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i answered one similar to this a day or so ago.....your vehicle is a total loss, when the cost of repair is greater than the actual cash value of the vehicle minus it's salvage value, and/or if the state you are in has a percent law, mine MO says if the cost of repair is 75% or greater of the actual cash value (with airbags and sales tax removed) the vehicle is a total, and also if due to the scope of damage the vehicle is non-repairable, (meaning heavy heavy structure damage, flood into dash, total fire burn etc.) some companys also have other rules, ie 8 years or older and 50% of the sheet metal needs replaced etc.....

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Q: How much damage and how many wrecks does it take to total a car?
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