Can I ask insurance to total my car?
You can ask a car insurance company to total your car, but a car insurance company will never pay you more than they're obligated to. If a car can be repaired for less than what it is worth, the insurance company will pay for the repairs and will not total out your vehicle. If you disagree with your insurance settlement, you can repeal the claim but you must do so as soon as possible.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
UPDATED: Mar 1, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 1, 2024
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Whenever auto damage claims are filed, the insurance company will investigate the loss thoroughly before paying
- When the adjuster is investigating, they will inspect your damage and estimate how much it’ll cost to fix
- Cars are totaled when the damage exceeds what the car is worth or a percentage of the car’s value
- If the estimate is higher than the car’s Actual Cash Value, you’ll get a notice that the car will be totaled
- If you feel like the estimate or the value is wrong, you can ask for it to be reevaluated and corrected
A car crash can easily turn a good car into a wreck. If you’re in a minor crash, getting your car repaired could be a simple as filing a claim and hiring a shop to do the bodywork.
Unfortunately, more serious accident claims can be more difficult to deal with. Instead of filing a claim for money to repair your car, you’ll be filing a total loss claim.
Be sure to have the insurance coverage you need before you need it. Compare quotes today using our free rate tool above.
There are some scenarios where a car has just enough damage where it could be either repaired or totaled. These scenarios are tough for both the insurance adjuster and the policyholder. Some drivers want to keep their cars and invest money into fixing them.
Other drivers would rather total the car out. Here’s how you can affect the total loss decision:
How is a claim investigated after your car is damaged?
If you have full coverage on your own policy or you’re hit by a driver and you file a claim against their insurance, you can file a claim.
When you’re filing a claim, you’re asked a ton of who, what, when, where, and how questions so that the adjuster can look into the details and investigate.
It is your claims adjuster’s job to investigate your claim. If you’re filing a third-party claim for benefits, an adjuster representing the other company will also investigate:
- Reports will be run
- Pictures at the scene will be reviewed
- Statements will be taken
- Professionals will estimate the damage
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What happens after the damage is estimated?
After the adjuster allocates fault and the estimator comes up with a detailed damage estimate it’s the adjuster’s role to calculate the vehicle’s value. The insurance company will use the car’s Actual Cash Value when settling a claim.
This is how much the car is actually at the time of the loss after factoring in depreciation.
If the estimator gives a report saying that the car will cost more to repair than the adjuster has determined that the car is worth, the vehicle will then be declared a total loss.
A total loss means that the car is being written off because of it’s condition or because it’s suffered major structural damage making it unsafe.
Read more: How to Appeal Decisions Made by Car Insurance Companies
The insurer is never going to pay you more than they are obligated to repair your car.
Since the company has written in the contract that they will only pay up to your car’s value to settle damage claims, don’t expect to receive any more than that or the company would be losing money.
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What is a total loss threshold?
There are states where the estimated damage doesn’t even have to exceed the car’s damage for the car to be totaled. If you have recently had a loss and you want to ask that your car be totaled, you should familiarize yourself with the Total Loss Threshold (TLT) rule.
If there’s no exception to the total loss definition then the TLT is said to be 100 percent. This means that damage must equal 100 percent of the vehicle’s value before the carrier can legally total the car.
In other states, the TLT could be as low as 60 percent. When this rule exists, the carrier can legally total out your car if the damage exceeds only 60 percent of your car’s value.
Do you have a say in the claims decision?
As the policyholder, you do have the right to stay involved in the claims process. Your adjuster is supposed to be your advocate when settling a claim. They should always give you updates and they should always let you know your rights when you don’t agree with a claims decision.
As a policyholder, you have the right to appeal claims decisions and make requests after a settlement offer is sent to you. You have to file your appeal in a timely manner and complete the process before you can expect anything to change.
Read more: What to Do with a Totaled Car and No Insurance
To avoid the complicated and drawn out process, you should first ask for the estimates and ACV reports to be reviewed.
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Can you have the adjuster reassess the value of your car?
When you would prefer that your car be totaled and your adjuster has valued your car higher than you expected, you might be offered the option to get your car repaired instead of it being declared a total loss.
If this happens, the first step to take is for you to reassess the valuation report.
If there are errors on the valuation report that are driving up the value of your car, then you should have them fixed as soon as you can. This could be why the estimate doesn’t exceed your car’s value.
Many times, the agent will put the wrong sub-model with the wrong vehicle features. Some trim levels can raise values if they are rare.
Is it possible to have someone else estimate the damage to your car?
If you think that the error was in the estimate and not necessarily in the valuation of your car, ask the carrier to send another estimator out.
If this estimate is close or the damage estimate goes down, you can also hire your own third-party to come out and do their own unbiased estimate.
Then, after there are three independent estimates, the carrier will take all of the figures and average them out to come up with a final number.
No one wants to drive a vehicle around that has suffered so much damage that it will never feel the same. If you don’t think your car can be repaired or you believe that the claims settlement offer is wrong, you can question it and then appeal the decision.
Ask if the adjuster can adjust the values and total your car out. If you’re not happy, get online quotes instantly and then switch to another carrier. Use our free comparison tool today to find the best rate on car insurance.
Compare quotes from the top car insurance companies and save
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.