Question 1

What do insurance companies do with totaled cars?

Accepted Answer

Insurance companies usually sell totaled cars to salvage yards or auction them off to companies that specialize in buying damaged vehicles. The cars may be dismantled for parts or sold as scrap metal.

Question 2

What does insurance pay for a totaled car?

Accepted Answer

Insurance pays the actual cash value (ACV) of the car minus any deductible. The ACV is determined based on the car’s condition before the accident and comparable sales in your area.

Question 3

What happens if you total your car with full coverage?

Accepted Answer

If you have full coverage, your insurance company will pay you the ACV of the car minus your deductible. If you have GAP insurance, it will cover the difference between the ACV and any remaining loan balance.

Question 4

What happens when insurance totals a car?

Accepted Answer

When insurance totals a car, the company assesses the car’s value and repair costs. If repair costs exceed a certain percentage of the car&#8217;s value, it is declared a total loss, and the insurance company will pay you the ACV minus your deductible.

Question 5

What happens when you total a financed car without insurance?

Accepted Answer

If you total a financed car without insurance, you are still responsible for paying off the loan. Without insurance, you will need to cover the repair or replacement costs out of pocket.

Question 6

What if my car is totaled and I still owe money?

Accepted Answer

If your car is totaled and you owe money on it, your insurance will pay the ACV of the car minus your deductible. If you have GAP insurance, it will cover the difference between the ACV and the outstanding loan balance.

Question 7

What price does insurance pay for a totaled car?

Accepted Answer

Insurance pays the actual cash value (ACV) of the car before the accident, minus your deductible. The ACV is based on the car’s pre-accident market value.

Question 8

When should you remove a totaled car from insurance?

Accepted Answer

You should remove a totaled car from insurance once your claim has been settled and the car is no longer in your possession. Continuing insurance coverage on a totaled car is generally unnecessary.

Question 9

When does insurance total a car?

Accepted Answer

Insurance totals a car when the cost of repairs exceeds a certain percentage (typically around 80%) of the car’s actual cash value (ACV), or if it’s deemed unsafe to repair.

Question 10

When insurance totals a car, can you keep it?

Accepted Answer

Yes, you can often keep a totaled car. However, it will be given a salvage or rebuilt title, and your insurance company may deduct the value of the car from your payout.

Question 11

Will full coverage cover a totaled car?

Accepted Answer

Yes, full coverage insurance will cover the cost of a totaled car, paying out the actual cash value (ACV) minus your deductible.

Question 12

Can a totaled car be insured?

Accepted Answer

A totaled car can be insured if it’s repaired and given a rebuilt title, but insurance options may be limited, and rates may be higher due to the car&#8217;s history.

Question 13

Can I insure a totaled car?

Accepted Answer

Yes, you can insure a totaled car after it’s been repaired and given a rebuilt title. However, insurance coverage options may be more limited and expensive.

Question 14

Can I keep a totaled car?

Accepted Answer

Yes, you can keep a totaled car if you choose. However, it will have a salvage or rebuilt title, which might affect your insurance options and rates.

Question 15

Can I trade in a totaled car?

Accepted Answer

Yes, you can trade in a totaled car, but its value will be significantly lower due to its salvage or rebuilt title.

Question 16

Can an insurance company force you to total your car?

Accepted Answer

No, an insurance company cannot force you to total your car. They can only declare it a total loss if repair costs exceed a certain percentage of the car&#8217;s value.

Question 17

Can you ask insurance to total your car?

Accepted Answer

Yes, you can request your insurance company to total your car, especially if repairs are cost-prohibitive or if the car is unsafe to drive.

Question 18

How much will insurance pay for a totaled car?

Accepted Answer

Insurance will pay the actual cash value (ACV) of the car before the accident, minus your deductible.

Question 19

Do I have to keep paying insurance if my car is totaled?

Accepted Answer

No, you generally do not need to keep paying insurance on a car once it’s totaled and the claim has been settled.

Question 20

Do you pay a deductible if your car is totaled?

Accepted Answer

Yes, you are responsible for paying the deductible amount specified in your policy when your car is totaled.

Question 21

Does Allstate cover rebuilt titles?

Accepted Answer

Allstate may provide coverage for rebuilt titles, but options can vary based on state regulations and the specifics of the policy. It’s best to check directly with Allstate.

Question 22

Does Liberty Mutual insure rebuilt titles?

Accepted Answer

Liberty Mutual’s coverage for rebuilt titles may vary by state and policy. Contact Liberty Mutual to verify if they offer coverage for rebuilt titles in your area.

Question 23

How much does Allstate pay for a totaled car?

Accepted Answer

Allstate pays the actual cash value (ACV) of the car before the accident, minus your deductible. The exact amount depends on the car’s value and condition.

Question 24

How much will insurance give for a totaled car?

Accepted Answer

Insurance will give you the actual cash value (ACV) of the car before the accident, minus your deductible.

Question 25

How much will insurance go up after a totaled car?

Accepted Answer

Insurance rates may increase after a totaled car if the accident was your fault. The increase depends on the nature of the accident and your driving record.

Question 26

How much will Progressive pay for a totaled car?

Accepted Answer

Progressive will pay the actual cash value (ACV) of the car before the accident, minus your deductible. The exact payout depends on the car&#8217;s pre-accident value.

Question 27

How much will State Farm pay for my totaled car?

Accepted Answer

State Farm will pay the actual cash value (ACV) of the car before the accident, minus your deductible. The payout amount is based on the car’s value and condition.

Question 28

If a car is totaled, can you keep it?

Accepted Answer

Yes, you can keep a totaled car. However, it will have a salvage or rebuilt title, which may affect your ability to get insurance and the car&#8217;s resale value.

Question 29

If my car is totaled, do I still have to pay insurance?

Accepted Answer

No, you generally do not have to pay insurance on a car once it’s been totaled and the insurance claim has been settled.

Question 30

If my car is totaled, will the insurance pay it off?

Accepted Answer

Insurance will pay the actual cash value (ACV) of the car minus your deductible. If you have a loan, GAP insurance will cover the difference between the ACV and the outstanding loan balance.

Question 31

If someone totals your car, how much do you get?

Accepted Answer

Insurance pays the actual cash value (ACV) of the car before the accident, minus your deductible.

Question 32

Do you still pay insurance after your car is totaled?

Accepted Answer

If you have a loan, you still need to make payments on it. GAP insurance can help cover the difference between the actual cash value and the remaining loan balance.

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