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Most insurance companies deem that if the repairs are 80% of the value of the vehicle it is a total loss. Hidden damage could easily drive the repair costs above what the car is worth. But, some companies total vehicles at 51% of its actual worth. So it depends on the insurance you have. They will pay you book value of the vehicle minus your deductible. The insurance company will then own the wrecked vehicle and will sell it to a salvage yard. You may be able to buy it back from them yourself if you so desire.

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Q: What is considered totaled on a 2007 Ford Fusion?
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