What Happens If Your Car Is Declared a Total Loss? (What to Expect)
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Hearing that your car is a “total loss” can be unexpected.
So what does that actually mean?
🚗 What “Total Loss” Means
A vehicle may be considered a total loss when the cost to repair it approaches or exceeds its value.
At that point, repairing it may not be considered practical.
💰 How Value Is Determined
The value of a vehicle is typically based on factors like:
- Condition before the accident
- Mileage and age
- Comparable vehicles in your area
🔄 What Happens Next
In many cases:
- The vehicle is not repaired
- A payment may be issued based on its value
- The claim moves forward from there
🧠 The Bigger Picture
This process can feel confusing, especially if you expected repairs instead.
Understanding how value is determined can help you better evaluate your situation.
🔍 If You’re Unsure, Get a Second Opinion
If you’re not sure how your vehicle was valued—or what your options are—it can help to get another perspective.
You can fill out our form to request a free case review from a licensed California attorney.
It’s free, and there’s no obligation.
