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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Just to add to some of the comments – here is UK we have 4 categories of “totals” or write offs as we call them.
The first 2 mean the car is so badly damaged, it’s totally beyond repair (one of them means there may be some parts that are salvageable)
The other two mean it’s beyond “economic” repair – so could be fixed but it’s cheaper for the insurer to just pay for a replacement.
A big part of what makes repairing the second two groups uneconomic is labour costs – this means there is a decent market for either small motor repairers or keen amateurs to buy these and repair themselves (saving all the labour costs).
And yes the insurance companies make money off selling these and recoup some of their loss for replacing the car in the first place.
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