What Does a “Totaled Car” Mean?

totaled car, total lossDid your car receive significant damage in a collision? Your insurance provider may declare your vehicle a “totaled car” or “total loss.” What exactly do these terms mean, and what are the parameters for determining that a car is totaled?

The Definition of a Totaled Car

Insurance companies consider a car a total loss if repair costs exceed 75% of the car’s Kelly Blue Book value. Needless to say, a totaled car is beyond what a paintless dent repair or auto paint restoration can fix.

After an auto accident, you will have to bring your vehicle to a collision center approved by your insurance provider. Doug’s Auto Collision Center works with most national and Bellevue-based auto insurance agencies. We can make the final determination if a car is a total loss. If not, we can restore the vehicle to pre-collision condition. If damaged beyond repair, your insurance will send you a check equal to the value of the car before collision.

If repairs are in order, we will coordinate with your insurance provider and arrange for a rental car.

Other Factors

The above definition of a totaled car sounds simple enough. However, the determining factors are actually a bit more complex than that. The 75% rule may shift up or down depending on other factors, such as:

  • The age of the car
  • Existing add-ons or modifications on the car
  • Whether the vehicle was a luxury or classic model
  • Contributory negligence—This is the degree of fault on your end that contributed to the collision.

We Will Assess Your Vehicle Post-Accident

We understand the process of settling a collision claim can be stressful. Dealing with insurance agents is no fun. Bring your car to our auto shop for a professional evaluation. We will perform our due diligence, and then determine if your vehicle meets the definition of a totaled car.

Car Damage Assessment in Bellevue

Serving Customers in Bellevue, Renton, Highlands, Factoria, Issaquah and Mercer Island