If your car is a total loss after an accident, you may be wondering what happens next. You’ll have to decide whether to purchase a replacement vehicle or file a claim with your insurance company for the cost of repairs. If you opt for the latter option, keep in mind that your personal auto policy will cover only those expenses associated with damage caused by an “insured peril.”

What if you're driving your car and get into an accident?

First, let's talk about how insurance companies classify vehicles as total losses. If your vehicle is current model year, then it has a salvage value listed by the manufacturer; otherwise, it can be listed as totaled or wrecked depending on the level of damage incurred in the accident. When an insurance company declares a vehicle as a total loss after an accident, they will contact the lender who owns the car (in most cases), to determine what options are available for paying off that loan balance.

The lender will then decide whether or not they want to sell off parts of their loan portfolio or keep it whole so that they can still make payments until they can get another loan modification from their bank again later on down the road or if they decide not even want any more payments at all due to them loosing so much money already over time with this particular borrower who went through several bad decisions throughout his/her life thus far). So now here comes one big question:

What happens when someone pays off their total loss auto claim?

Well first off let me say this: There are many reasons why people choose not just settle their claim but also walk away completely unscathed from such mishaps while others simply cannot afford all of these things happening at once especially if they have children dependent upon them being able to make ends meet every month without having anything else come up between closing dates etcetera."

How a Car is Declared a Total Loss

When a car is declared a total loss, it means that the insurance company considers it unrepairable. This can be due to damage beyond repair or because parts have been damaged so badly that they cannot be used to repair your vehicle again.

The next step in declaring a car as a total loss is if the insurance company determines that there is no resale value for these vehicle. If this occurs, then you will receive an estimate from Junk Car Removal South Florida which will include all costs associated with removing your junk car from its location and transporting it off-site.

The Insurance Company Pays the Lender

The insurance company will pay you the value of your car, minus the outstanding balance on your loan. The lender will get this money, but you can choose to sell the car yourself if it's still worth more than what you owe on it.

If you have car insurance, you may be covered for a rental car while you search for a replacement vehicle When your car is deemed a total loss after a car accident, it means that the damages to the vehicle are so severe that it would cost more to repair the car than the car is worth. This determination is made by the insurance company, which will assess the value of the car and the cost of repairs.

The Insurance Company Pays You

The insurance company will pay you for your car. They may also pay for any damages that were done to other vehicles or property as well.

You can get more money if you have a salvage title and the car has been in an accident, but this is not always true. If there are no obvious signs of damage, like broken windshields or dents in the hood area (or elsewhere), then it's likely that they won't be able to find any evidence of an accident when they inspect your vehicle. However, if there are noticeable signs of damage like scratches on headlights or chipped paint around headlamps then maybe they'll give better compensation than normal because they know there was some kind of accident!

If the Insurance Company Does Not Pay You What Your Car is Worth, What Can You Do?

If you are unable to get the insurance company to pay what your car is worth, it's time to take action. The first step is getting an appraisal for the vehicle and then taking them to court. If successful, you will be able to recover some cash or even receive a loan from someone else who wants their own piece of the pie (if they don't want yours).

You don't want to settle for less than what your car is worth, there are other options available. You can sell your vehicle yourself and make a profit from its value. This may be more difficult than you think though, especially if the car has been in an accident or has been damaged by water or fire. Selling this type of vehicle at a dealership won't get you nearly as much money as if it were in pristine condition - so take that into consideration before taking action!

Your car can be declared as a total loss if it was in an accident and it will not take much to have this happen.

If your car has been declared as a total loss, you will be able to get money from the insurance company. The amount of money that you can get depends on how much damage was done to your vehicle and whether or not they have any salvage value.

If they have no salvage value, then they will pay $3,000 for each body part (including tires) and $1,000 for each interior component that has no structural damage. If there is structural damage but parts are still usable due to cosmetic wear/tear then this amount would be reduced by 25%.


With a total loss car, you can be sure that the insurance company will cover everything. This is a good thing if you want to get your vehicle fixed or replaced. If this isn't the case and they don't pay out your policy's full cash value claim then there may be some other options available depending on how long ago the incident took place and how much money still remains in your deductible (which would be written off by the insurer).

Also Read: How to Make Safer Smart Cars: Modern Features That Prevent Accidents