如果你的车全毁了怎么办?
Learn what goes into the decision and what your options are.
If your car has been damaged and the potential repair costs exceed the value of the car, 它被认为是完全的损失. Here are answers to common questions that spring up when your 车辆 has been declared totaled.
How do you determine if your car is totaled?
在损失(例如，a 碰撞, 车辆火灾 or flood damage), t在这里 are a few reasons an insurance company may declare your 车辆 a total loss. 经常, the repairs are estimated to cost more than what the 车辆 is worth — 车辆 worth being the actual cash value determined by its year, 使, 型号和主要选择, 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 车辆 include when the damage 使s the car irreparably unsafe or if your state's regulations require it for your 车辆's damage severity.
How much will you get for a totaled car?
You'll receive the determined actual cash value of the 车辆, minus the 可扣除的 you chose when insuring it, as well as any applicable state taxes and/or fees.
What happens when your car is totaled and you still owe money?
You'll be responsible for satisfying your loan agreement whether or not the money you receive covers it all. 这就是为什么你可能会考虑 GAP (Guaranteed Asset Protection) insurance, so called because it covers the gap between what you owe on the 车辆 and its current market value.
Can you keep your car if it's totaled?
Talk to your auto insurance company or, if you have 州立农场汽车pp王者电子官网, speak with your agent or claim representative to see whether state regulations allow you to keep your 车辆.
What do you need to do if you decide to surrender your totaled car?
First, clear out the car and remove personal items and paperwork. 如果可能的话, clear your information from the navigation and mobile phone systems, 把车牌取下来. Round up all copies of the key and the title. 然后，联系你的 州立农场代理 for further instructions and to schedule 车辆 pickup.
