06/18/2026
A total loss happens when the cost to repair your vehicle exceeds a certain percentage of its actual cash value, at which point the repair process stops and a settlement process begins instead.
Your insurance company will offer you a payout based on the market value of your vehicle before the accident. You have the right to dispute that number if you believe it doesn't accurately reflect your car's value. Gathering documentation of your vehicle's condition, recent comparable sales, and any upgrades or recent maintenance can help support your case.
If you have a loan on the vehicle, the payout goes to the lender first, and gap insurance covers the difference between the payout and what you still owe. If you have questions about the claims process after an accident, request a free estimate through our website and we can help walk you through what to expect.
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