Is Your Car Totaled?
Find out instantly whether your vehicle is a total loss, estimate your insurance payout, and understand your gap insurance situation — in under 60 seconds.
Estimates only — not legal advice
This calculator uses state total-loss thresholds and your inputs to provide a general estimate. Actual determinations depend on your insurer, policy terms, and a licensed appraisal. Consult your adjuster or an attorney for a definitive answer.
Enter your vehicle details
Your state's threshold is 100% — if repairs exceed 100% of your car's value, it is likely a total loss.
Check KBB.com or NADA Guides for your vehicle's fair market value before the accident.
How total loss is determined
The process insurers use to decide if your car is totaled
Assess repair costs
An adjuster or appraiser inspects the damage and creates a repair estimate. Hidden damage discovered during teardown can increase this number significantly.
Determine actual cash value
The insurer calculates your vehicle's ACV using comparable sales in your area, adjusted for mileage, condition, options, and market trends.
Compare against threshold
If repair cost exceeds your state's total loss threshold percentage of the ACV, the vehicle is declared a total loss and you receive the ACV minus your deductible.
Frequently Asked Questions
Think your total loss payout is too low?
InsurifyAI helps you build a bulletproof case for a higher valuation. AI-generated dispute letters, comparable vehicle analysis, and real-time negotiation coaching.