Why was my vehicle totaled?
After a loss (for example, a collision, vehicle fire or flood damage), there are a few reasons your vehicle may be declared a total loss. Often, the repairs are estimated to cost more than what the vehicle is worth — vehicle worth being the actual cash value determined by its year, make, model and major options, as well as mileage and overall condition. (Though the damage may not look bad, the repair can cost much more than you'd think.)
Other reasons for totaling a vehicle include when the damage makes the car irreparably unsafe or if your state's regulations require it for your vehicle's damage severity. Talk to your auto insurance company or, if you have State Farm auto insurance, speak with your agent or claim representative to see whether state regulations allow you to keep your vehicle and, if so, what your reduced payment amount would be.
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