What Does it Mean if a Car is Totaled?
Finding out that your car is totaled can be a complete shock, especially if the damage doesn't look that bad after an accident. The thing is, it isn't that uncommon for cars to be deemed totaled following a wreck. The following should give you a bit of information regarding what it means to have a totaled vehicle. If you have additional questions about a car that is said to be totaled, be sure to speak with your insurance company.
What is the term totaled?
The term totaled comes from the insurance term for total loss. Put simply this means that the vehicle's total value is less than the amount of money it will take to properly repair the vehicle after a wreck.
How is a car deemed totaled?
For a vehicle to be considered totaled the cost of repairs to fix the car following an accident needs to be more than the actual value of the vehicle. This is decided based off of the estimate of an auto body repair shop, the insurance estimator, and the book value of your vehicle and its non wrecked condition.
What happens to my car if it is deemed to be totaled?
In most cases the insurance company will provide the vehicle owner with the cash value of the car, opposed to pain the auto body repair shop to complete repairs. After the owner is paid the vehicle will generally be sold by the insurance company to a scrap yard or a junkyard where the parts can be salvaged for use on other vehicles.
Can I keep a totaled car?
In many scenarios you actually can keep your vehicle if you are terribly attached to it for one reason or another. this is going to be an issue that you need to work out with your insurance company directly. Remember, fixing a totaled vehicle is going to be relatively expensive if you are driving a car that is in decent shape as is. Older cars may be deemed totaled for relatively minor damage.
Can a totaled car be fixed?
Just because a vehicle is deemed to be totaled does not mean that it is unfixable. As mentioned many older vehicles can be totaled out just for having some minor damages because the actual value of the vehicle is less than the cost of repairs. However, it will most likely be up to you to pay for the repairs out of pocket, as the insurance company will not usually cover repair costs above the total value of the vehicle.
At Budget Auto Painting we provide full service auto body repair near Atlanta and we are happy to work with your insurance company. We understand that having a vehicle be deemed totaled is frustrating, especially if you’re in love with your car. To request an estimate for collision repair in Atlanta give us a call at (404) 620-5001 today.
Budget Auto Painting of Chamblee Blog
Written and Published By MORBiZ
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