Generally speaking, your insurance policy will cover your damages, including a total loss, when the cause of the loss is covered under your policy.   Collision and comprehensive car insurance policies will provide coverage for a wide variety of scenarios, such as traffic accidents, collisions with animals, and non-collision events like theft, fallen trees, or weather damage. Any of these situations could result in a total loss, in which case your policy would cover the value of your car.   If you have coverage for transportation replacement or loss of use, your insurance will also cover the cost of a rental vehicle.