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How do you know if a car is totaled?
How can I tell if my car is totaled or if I can repair it? I live in Arizona and recently got into a car accident. I’m okay and only suffered some minor cuts. If possible, I would like to keep my car.
Phoebe Mah · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“By definition, a car is considered totaled by the insurance company when the total cost for repairs plus the salvage value—what the car is worth in its damaged condition—is greater than the
actual cash value (ACV)
. The ACV is what the car was worth before the damages.What is considered a total loss varies by state. In Arizona, the threshold is 70%, which means the cost of repairs plus the salvage value must add up to 70% or more of the ACV.
For example, prior to damages, let’s say a car is worth $25,000. The cost of repairs is $8,000 and the salvage value is $10,000. The total for the cost of repairs and salvage value ($18,000) exceeds 70% of the ACV. Therefore, the car would be deemed totaled.
Of course, no one wants their car to be totaled. And we surely hope yours can be repaired! It may be confusing what to do next, but please know there are resources to help you.
In the event of mishaps down the road, a roadside assistance membership can help you out of a bind.
Jerry
’s membership provides you with industry-leading roadside assistance, including benefits like towing, lockout service, and a mechanics hotline for only $6.99 a month.” View full answer
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