When is a Car Considered Totaled?

Car Accident on Highway


From time to time, you’ll hear a driver say something like, “My car is totaled,” or, “I totaled my car a few years back.” While common, sometimes, this phrase can be a bit confusing. So, when is a car considered totaled? The car totaled meaning refers to a situation when the cost to repair a vehicle exceeds its total value. Today, our Sid Dillon Hyundai service team will cover the signs that you’re dealing with a totaled vehicle and the actions you can take as a result. Read on to learn more about the car totaled meaning. 

Signs a Car is Totaled 

In many cases, automobile accidents lead drivers to question if their vehicle has been damaged to a point where it’s considered a total loss. So, when is a car considered totaled? If any of the following apply to you and your vehicle, you’re likely dealing with a totaled car:

  • As we mentioned before, if the cost of repairing your vehicle is higher than its value, it’s been totaled. 
  • If your vehicle is inoperable due to leaking fluids, damaged parts, or visual obstructions, chances are the repair costs will outweigh the value of the car.
  • If your vehicle is older than five years and the frame has been significantly damaged, you may have a totaled car on your hands. Repairing a vehicle’s frame is very expensive – so an insurance company may deem a damaged frame on an older car as a total loss. 
  • Your vehicle has reached an age where even the cost of minor repairs begin to exceed its value. 
  • If you have a high-mileage vehicle, it’s more likely to be considered totaled due to a lower market value. 

What to Do if Your Car is Totaled in an Accident

If you’re involved in an accident during your commute from Omaha to Seward, you’ll want to contact your insurance provider and file a claim. Once you receive a quote for the cost of repairing your vehicle, your insurance agent will determine if your car is totaled. From there, your insurance company will provide you with a payment for the car’s cash value at the time of the accident. This value is based on a number of factors including age, mileage, condition, etc. The deductible on your collision and comprehensive insurance coverage will be deducted from the payment made by your insurer. 

Rely on Sid Dillon Hyundai for Expert Service Work! 

Now that you have a firm understanding of the car totaled meaning, you can spot this situation like a professional. If you need an inspection or repairs, schedule an appointment with us near Crete. We can offer a transparent estimate of what it will cost to repair your vehicle, ensuring that you and your insurance provider make an informed decision. Contact us today if you have lingering questions about when a car is considered totaled.

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