PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
How can you get a new car after a total loss?
My car was totaled a few weeks ago in a really bad accident. Luckily everyone is okay, but I need a car to get to work. I know that sometimes when you total a car, your insurance company can help you get a new one. Is there any way I can get a new car after a total loss?
Chloe Jenkins · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m so sorry to hear that you were involved in an accident, but I’m glad no one was seriously hurt! To get a new car after a total loss, you can use your payout from the insurance company, as long as the loss is covered. If you had
new car replacement
on your insurance policy, your insurer will provide enough money to buy a similar vehicle.If you did not purchase a new car replacement policy, most insurance plans will only pay a totaled vehicle’s actual cash value (ACV). Usually, the cash value is not enough to purchase a similar vehicle again, since cars tend to depreciate in value quickly, but the best way to find out if your insurance will be able to help you purchase a new vehicle is simply by asking your provider during the claims process.
Keep in mind that after an accident, your insurance premium will likely increase. If you want to make sure you’re still getting the best deal on the coverage you need, you may want to check out the
Jerry
app. We’ll get you customized insurance quotes
, so that all you need to do is pick the plan that works best for you. And once you’ve picked one, we’ll even help you switch over!Best of luck—and hopefully everything goes smoothly.
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance for Your Car
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
