Insurance wants to total my car but i want to keep it
- what to do after car is totaled
- what to do when car is totaled
- what to do when your car is totaled and you still owe money
- what to do when you car is totaled
How to get the most money from insurance for totaled car...
Totaled Car - What Happens Now? (FAQs)
What Is a Totaled Car?
A car is considered "totaled" by insurance companies when the cost to repair the damage exceeds the vehicle's actual cash value (ACV).
ACV is the estimated market value of the vehicle before the accident, considering factors like age, mileage, condition, and any existing damage.
What happens when your car is totaled but still drivable
Essentially, if it's more expensive to fix the car than it's worth, the insurance company will typically declare it a total loss.
How To File an Insurance Claim on a Totaled Car
While every insurance company works differently, the basic filing process is largely the same.
- Contact your insurance company: Notify your insurance company as soon as possible after the accident.
Provide the basic details of the incident, such as the date, time, and location.
- Gather documentation: Collect all relevant documents, including the police report, photographs of the vehicle damage, and any medical records if applicable.
- File the claim: You can typically file a claim online, over the phone, or by mail. Fol
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