How a total loss is determined
Broadly, an insurer compares the estimated cost to repair the vehicle against the vehicle's value, using thresholds and formulas that vary by carrier and by state. If the repair cost — including anticipated supplements — approaches or exceeds that threshold, the carrier declares a total loss and offers to pay the vehicle's determined value instead of repairing it.
Where the numbers can go wrong
- The valuation may rely on comparable vehicles that don't reflect your actual vehicle's condition, mileage or options.
- Recent maintenance, new tires, or added equipment may not be reflected.
- The repair estimate driving the decision may be incomplete or, occasionally, overstated.
- Local market conditions may not be accurately captured.
What you can do
- Ask for the valuation report and read how the number was built.
- Review the comparable vehicles used and whether they truly match yours.
- Document your vehicle's condition, options and recent work with receipts.
- Ask about the appraisal process available under your policy if you disagree.
- Ask what it would take to retain the vehicle if you want to keep it.
Before you accept a total-loss offer, call Airpark Auto Collision at (602) 600-7825. We can talk through the repair side of the equation so you understand what's actually behind the number.
Keeping a totaled vehicle
In many cases an owner can retain a total-loss vehicle, with the salvage value deducted from the settlement and a branded title applied. Whether that makes sense depends on the vehicle, the damage, and what you plan to do with it. There are real trade-offs, and we'll give you a straight answer about them.