What Happens If My Vehicle is “Totaled” in an Auto Accident?
Typically, if the cost to repair exceeds the actual cash value (ACV) of your vehicle, it may be considered a total loss. You may have the option of retaining the vehicle or allowing us to dispose of it. There are certain forms required by each state that will need to be completed so that title transfers and any outstanding loans can be addressed.
Who should repair my vehicle?
You may choose who will repair your vehicle. However, your claim representative can recommend a pre-approved, qualified repair shop in your area.
Your auto repair shop can provide you with the most accurate anticipated completion date. In some cases, repair times are extended when additional damages are found or parts need to be ordered.
Our policyholders may have rental coverage that will apply in certain conditions. However, it is best to discuss this with your claim representative first. Your claim representative will explain the coverage to you, the rental process and will arrange the rental.
We would recommend that third-party claimants do not rent a vehicle until your claim representative authorizes it. Otherwise, we may not be able to guarantee reimbursement for the cost of that rental.
You may request that the vehicle be deleted from your policy effective the day after the loss occurred. However, if the vehicle is the only one your policy, it may be best to leave the coverage active temporarily while you are driving another vehicle. Contact your agent or 1.888.303.3430 to discuss options.
In most states, you are allowed to keep your vehicle. However, if you decide to keep it, we will deduct the salvage value from the settlement amount. Your state may also require a vehicle inspection and changing the title to a salvage title. Because of this, insurance companies may not be willing to insure this vehicle in the future.
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