A car is “totaled” when the cost of repairing a vehicle would exceed the actual cash value of the vehicle. For example, if your car is worth $10,000 but it would require $12,000 in repairs after a T-Bone accident, the car is totaled. T-Bone accidents are highly damaging, especially when they occur at high speeds, so it is very likely for a vehicle involved in a T-Bone collision to be totaled.