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If repair costs are up to 76% of the vehicles value then the vehicle is totaled.

Whichever option is least expensive is the one they go with but you will never find one that is going to actually replace your car, just give you the estimated value at the time.

If you have ever had a car totaled you know that you never get enough to replace it.

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Q: Why is repair preferred than replacement by the insurance companies?
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