A vehicle is a total loss (or totaled) if any of the following apply:

• The vehicle cannot be safely repaired
• Repairs would cost more than the vehicle's estimated value
• The damage meets your state's total loss guidelines

These factors determine your vehicle's actual cash value:

• Your vehicle's mileage
• Features, add-ons, and modifications
• Any damage before the claim incident
• Recent sales prices of similar vehicles in your area

That depends on the state where you live. Ask your assigned adjuster about your state's rules for total loss vehicles. We'll adjust your settlement amount if you decide to keep your totaled car.

• Take your personal belongings out of the car
• If you own your car, find your vehicle title (the paperwork that proves you're the owner)
• If you're making payments on your car or have a lease, look up contact information for your finance or lease company

Please note that your vehicle is not officially a total loss until your adjuster confirms it after inspection.

That depends on whether the vehicle is owned, financed, or leased.

• If you own the vehicle, we'll pay you directly
• If you're making payments to a finance company that's listed on your policy or your title:
  • We'll pay the finance company first
  • If the settlement amount is more than what you owe the finance company, you'll receive the rest (if you're the titled owner)
  • If the settlement amount is less than what you owe, you'll be responsible for paying the balance of your loan*
• If you have a lease, we'll pay the lease company directly

*If you have gap insurance, it may cover the balance of your loan.

Yes, but please wait to remove the vehicle until:

• You return your rental vehicle
• The title or lease of your vehicle is no longer in your name

When you're ready, you can remove the vehicle online in our Policyholder Service Center.