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What Occurs If My Car Is Totaled? If the insurance coverage company declares your car a total loss, they will reimburse you for the fair market or book value of the car instantly before the loss occurred, minus your deductible and any other charges. The type of accident will decide which sort of insurance covers the event. For example, collision insurance coverage covers accidents with other automobiles or immovable objects, corresponding to telephone poles. Skip ahead to learn more about the other varieties of car insurance protection you may have for occasions like flooding and extra that might complete your car. When Is a Car Considered Totaled? Here’s the place your insurance company’s insurance policies and your state’s laws come into play.

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