Does the insurance just decide your car is totaled and that’s it? Can you appeal? What are the consequences of having a car being declared totaled?
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It means always get fucking gap insurance if you have a car note. Going through this currently from a drunk driver who took out my back end including the entire damn wheel.
An adjuster will come and look at your vehicle and appraise the damage. If you have damage that’s more significant than the actual value of the car or if it’s more than 75% of the value insurance will total it out. My car was worth a little over 10k and had over 9k in damages so it was totaled. They’ll then write you a check for the value of your car and then they own it and can do whatever they want with it, after you fill out copious amounts of paperwork that is. If you appeal that decision you’re not getting any money and now you have to figure out what you’re gonna do with that car (my city will fine you for having it in your yard)
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