Car Totaled

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What to do When Your Insurance Company Says Your Car is Totaled

Under Florida law, insurance companies consider a damaged vehicle a “total loss” (totaled) when the cost of repairing or rebuilding it is 80% or more of its ACS, the actual cash value. For example, someone crashes into your car, which has a fair market value of $10,000. If the repair costs to your car are $8,000 or higher, insurance companies will declare your car a “total loss.”

Typically, you can choose to either have the total loss claim handled by your insurance company or go through the other party’s insurance company. If you have collision coverage and choose to get your car fixed or totaled out through your insurance, you may be responsible for a deductible.

You will not be responsible for a deductible if you choose to use the other party’s insurance company to pay the total loss of your vehicle. It’s a good idea to have both party’s insurance companies submit a total loss offer, and choose the best of the two. But if the accident is surely the other party’s fault and you do not want to use your insurance to pay for someone else’s negligence, choosing to go through only the other party’s insurance is just fine.

There can be disagreements when determining the fair market value of the car. However, due to the high volume of cars sold in Florida, the fair market value is typically easy to ascertain. Insurance companies are not allowed to value the car at what it may get at auction since auctions typically value cars less), not are you entitled to the sticker price of a used car on the dealership lot, since that tends not to be what the car actually sells for. Generally, the fair market value of a car with a certain mileage in a certain condition is easy to find out.

If you have financed the car, you will need to pay off before you get the remaining value if the car. So, using the same example from earlier, if you still owe $3,000 on your car, which was totaled at $8,000, $3,000 will be paid to the finance company and the remaining $5,000 to you.

Attorney Doyle-Palumbo will work diligently to ensure you are compensated properly for your vehicle expenses in accordance with Florida Law.

For a free consultation, please call 727-233-2134 or contact Personal Injury Attorney Wendy Doyle-Palumbo here. Attorney Doyle-Palumbo represents the injured who need to hire a car accident attorney in Pasco County, Hernando County, Citrus, and Pinellas County, FL.

For any other questions about personal injury under Florida law, reach out to our team and we’ll provide the answer as soon as possible.

Let us help you!

If you need any help, please contact us right away for a free consultation.

Call : 727-233-2134


Wendy Doyle-Palumbo, Esq.

Serving Pasco, Hernando, and Citrus Counties, Florida

I’m Wendy – a personal injury lawyer proudly helping victims in Pasco, Hernando, and Citrus counties earn justice for their suffering due to the negligence of another person or entity. I’ve been fighting cases under Florida law since 2004 with a dedication to earning the biggest payouts for clients.

Over the years, I’ve earned a reputation for two things: I don’t take shortcuts and I don’t mince words. I look at each case from every angle imaginable and develop a plan to reach

the best possible outcome. When you work with me, you’re guaranteed a compassionate, aggressive, and relentless fight to win your case.