"What do you mean my car is totaled?!!!"One of the most frustrating and hard to understand parts of your car insurance policy can show its big, ugly head at the most inopportune time -- after you have wrecked your car and are in talks with the adjuster about getting it fixed, or in some cases, not getting it fixed, but having to sign it over to the insurance company for salvage value.
The article below, "When is A Vehicle Considered a Total Loss?," written by Gary Wickert, in the Dec 5, 2013 edition of Claims Journal, does a nice job of explaining the process and calculation of whether your car gets repaired or is totaled out.
In addition to the information provided in this article, keep in mind that sometimes you do have options. For instance, if the Total Loss Threshold is close to the value of your vehicle, you may be able to negotiate a settlement whereby you keep the car and can repair it. Now, you probably won't receive enough money from the insurance company to pay for the entire repair bill, but for a vehicle that is valuable to you, even if that value is mostly sentimental, this can be an option worth exploring.