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It can just be a judgment call. Can you do the work yourself or will it have to be done at a shop. Usually if a car is totaled it is because it will cost more to fix than it is worth. As a car gets older it takes less to total one. If it costs half of retail that will probably be enough. If you do the work yourself it can make sense to fix a total. I do it regularly. On average, buying a totaled car and fixing it you will have about half of retail in it. Sometimes only third. You might think a given car is worth it and I wouldn't.

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13y ago

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How does insurance decide how much your car is worth if totaled?

Insurers use the "Blue Book" value, and factor in mileage and any previous damage, etc. Just as if it were a "trade in".


Can you sue if uninjured when your car is totaled by someone?

Yes. You can sue for whatever you feel is appropriate and worth the attorney fees. It will be up to the judge (or jury, if you get one) to decide the outcome.


What if your car is worth less than the damage?

That is the true definition of totaled ...when the repair cost is more than the car is worth


Can you rebuilt a totalled car?

You can, but totaled means "not worth repairing". You will spend more money repairing a totaled car than you would buying a new one.


When is your car totaled?

Your car is considered totaled when it would cost more to fix it than it is worth. when your insurance company says it is or it cost more to fix than it's worth == When the repair costs exceed 50-75% (depending on what state youre in) of the actual cash value of the car.


What will insurance pay for your car if totaled?

It will pay the sum your vehicle is worth according to BLUE BOOK


How much do you get if your car is totaled?

You will get the book value of the car. You will get what the car was worth before the crash. Any previous damage will affect the cars value.


How much is your car worth if it is totaled 2004 Chevy cavaliar with 156000 miles?

That depends on how much damage has been done to the car.


How long can a car be in the shop after an accident before the insurance company will salvage it?

Usually an insurance company will declare a car totaled before salvaging it. Usually they will know what to do with the car after taking initial photos and if need be pay a shop to look over internal damages if any. How long this takes is how long it takes for the shop to tear apart your car. Typically there is no "time limit" associated as far as a car sitting in a shop is concerned, but for me when I totaled my car the insurance took about 2 weeks to figure it out.


Is a car totaled when it has rolled?

It just depends on whether or not the insurance company considers the vehicle worth repairing or not.


If someone totals your car and leaves the scene and is arrested for DUI is there a higher payoff for the vehicle?

No. The vehicle is worth what the vehicle is worth, no matter how it was totaled


How much will you have to pay to get your car back if it was totaled and the insurance company refuses to pay?

The insurance company will pay you the worth of your car minus your deductible.