What happens when a vehicle is totaled after an accident?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Feb 21, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Carmel, NY

Asked on 02/21/2015

What happens when a vehicle is totaled after an accident? When you are in an accident that results in your car being totaled, how are you made whole again if the accident was determined to not be your fault and the amount of the payment does not cover the purchase price of even a used car?

Answer given on March 08, 2015

Auto insurance does not always work out to make a person whole if their car is considered a total loss. The insurance policy provides coverage for the “actual cash value” of the car at the time of the loss. This sometimes It does not cover the perceived value of the car to the owner.You can dispute the offer from the insurance company on a total loss. It is up to you, the owner, to prove the value is greater. You can do this by researching local ads of a similar car. You can also use internet quotes and research tools like the Kelly blue book. You must use local figures, not in a totally different part of the country. If you have this type of proof go back to the adjuster and provide your proof.There are some auto policies that will now cover the full value of the car you purchase the additional coverage. It is not usually expensive, but get a quote.Of course, this will not help you in this current matter

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption