A total loss vehicle is one where the cost to repair exceeds a certain percentage of the vehicle's actual cash value (ACV). This threshold varies by state and insurance company, typically ranging from 70% to 100% of the ACV.

Vehicle value is calculated based on multiple factors including year, make, model, mileage, condition, location, and current market data. We use industry-standard valuation methods similar to those used by insurance companies and appraisers.

Yes, you can appeal a total loss decision. You have the right to dispute the insurance company's valuation by providing evidence of your vehicle's higher value, such as recent maintenance records, upgrades, or comparable vehicle sales in your area.

Repair costs depend on the extent of damage, parts availability, labor rates in your area, whether OEM or aftermarket parts are used, and additional factors like paint matching and hidden damage discovered during repair.

Our calculations are based on industry-standard methodologies and real-time market data. While they provide excellent estimates, actual values may vary based on local market conditions, specific vehicle history, and individual circumstances.

If your car is declared a total loss, review the insurance company's valuation, remove personal belongings, consider whether to accept the settlement or negotiate, and understand your options regarding the salvage title and buyback.

Yes, total loss thresholds vary by state. Some states have specific percentages (like 75% or 80%), while others allow insurance companies to set their own thresholds. Check our Resources page for state-specific information.

In most cases, yes. You can often retain ownership of your total loss vehicle by accepting a reduced settlement amount. The vehicle will receive a salvage title, and you'll be responsible for any repairs needed to make it roadworthy.

The total loss claim process typically takes 1-3 weeks from the time of the accident, depending on the complexity of the case, investigation requirements, and how quickly all parties respond with required documentation.

Yes, all our basic calculators are completely free to use. We believe everyone should have access to accurate vehicle valuation information. No registration or payment is required to use our standard calculation tools.