After an accident, the insurance company inspects the vehicle, and sometimes the verdict comes back: total loss.
Many people get upset. Why scrap it? Can't I just fix it and keep driving? It looks fine. We completely understand the burden of buying another car and taking on years of payments. But the reality is a little different.
A Total Loss Is Not About Dents
The insurance company weighs the whole picture. When the frame or major structure is badly damaged, even a car that looks repaired can carry safety problems, a serious drop in value, and limits on how it can be driven.
The Most Unfortunate Reaction
It's directing all of that anger at the lawyer. In practice, total loss decisions are usually driven by the insurance company and its vehicle valuation system.
What Matters Most
Instead of reacting on emotion alone, set a realistic direction quickly.
- A car can be repaired. Your safety is much harder to rebuild.
This article is general information, not legal advice about your specific situation.