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What To Do If Your Car Is Totaled

Totaled Vehicle Tips

Even if your car does not look like it was seriously damaged after an accident, your car insurance company may still total it. When your auto insurance company totals your car, you will receive a payout for the actual cash value of your vehicle. Knowing how to handle a totaled vehicle can help to make sure that you get back onto the road as soon as possible.

There are three typical reasons that your auto insurance company will total your car, including:

  • If your car is worth less that what it would cost to make the necessary repairs.
  • There are no repairs that will make the vehicle safe to drive.
  • If your state dictates that your car needs to be totaled due to the cost of the damage.

If your vehicle meets any of these criteria after an accident, you will then receive a check for the actual cash value (ACV) of your car that you can then put towards a new vehicle. When it comes to deciding on the ACV of your car, there are various factors that are used depending on your insurance company. However, there are certain guidelines that all auto insurance companies will use, including:

  • The actual extent of the damage that was done to your vehicle.
  • How old your vehicle is.
  • The number of miles on your car.
  • How well you have kept up with the maintenance of the vehicle.
  • The type of vehicle you have.
  • How well you have taken care of both the exterior and interior of the vehicle.

For all of your auto insurance coverage needs to ensure that you are protected from any peril on the road, contact the insurance professionals at Michelle Lim Insurance Services Insurance in Alhambra, California. We will work with you to make sure that you have the coverage that you deserve.

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