When does USAA deem a car totaled?

How does USAA determine that a vehicle is totaled? I was in an accident and my vehicle has significant damage. The mechanic told me it's not worth repairing; however, I'm unsure what my car insurance company would say.

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Eric Schad
Answered on Jul 16, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“There are two ways that USAA will determine whether your car is totaled:
  • If the car cannot be safely repaired or rendered safe to drive after repairs, it’s totaled.
  • If the vehicle’s repairs cost more than the actual cash value (ACV) of the car, it’s totaled.
Once you get the estimate from the mechanic, you can turn that over to your car insurance. You should hear back from them as to whether they deem your car totaled or if they’ll pay for the repairs.”
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