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How do you know when to total a car from flood damage?
My 2011 Toyota Camry has pretty significant damage due to a recent flood. How do I decide if it's worth it to repair?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“I’m sorry to hear about your totaled Camry! You can leave the decision of total loss up to your
car insurance
company; that is what they are there for! When deciding whether to designate a car total loss, your provider will weigh the cost of repairs against the value of the vehicle. Typically, if the cost of repairs are greater than 70-75% of the vehicle’s value, they’ll declare it a total loss scenario and reimburse you.
If the car is a total loss, your insurance provider will cut you a check for the actual cash value of the vehicle minus your comprehensive deductible. The good news is that flood damage is a not-at-fault loss and your insurance premium should not increase due to this claim.
If you are unhappy with the claim service or insurance rate, now is an excellent time to shop for a
cheaper insurance policy
.If you want help looking for lower rates, try the Jerry
app. Jerry shops rates with up to 50 insurance companies and delivers the lowest rates straight to your phone in minutes—for free.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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