How can I get the insurance company to total my car?

I have been dying to get rid of this car but I can't afford another one yet. As luck would have it (ironic, I know), someone smashed into my car while it was parked and the damage looks pretty bad. Is there a way I can get the insurance company to total my car?

Answer
I have also been in a love/hate relationship with my car, so I understand entirely! That said, there isn’t a way to get the insurance company to total the car for you, but it may be totaled anyway.
Once you submit the claim, the claims adjuster will decide whether it is worth it to repair the car or issue a claim check for the vehicle’s actual cash value. Usually, a vehicle is totaled if the cost of repairs is around 70% of the vehicle’s value.
If this is the case, you will get a check to put towards the downpayment of a new car! If the car is repairable, there isn’t a way to change the adjuster’s mind. Insurance is heavily regulated and there are guidelines they have to follow for fairness.
Whether you get a new car or keep your old car, now would be a good time to see if you can save money on your insurance policy. Accidents risk raising your rates, so download the Jerry app to make sure you’re getting the best rate. Jerry compares rates with 50+ competitive insurance companies for free. The average Jerry driver saves $879 a year on car insurance!
Shannon Martin
Answered on Oct 27, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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