What Happens If Your Car Is Totaled By Insurance? 
Great question ! Your insurance company considers your car totaled when the cost of repairing it is close to , or higher than it 's blue book or their estimated value . Once the car is considered totaled , the company will send you a check for the amount specified by your policy , and the adjuster 's estimates . The amount they have determined will be minus the amount of your deductible , and any amount that you may owe them . In most cases , the company will own the rights to the car , and will sell it for salvage , or at auction to mechanics willing to repair the vehicle . I hope that you never have to find out , but if you do , feel free to contact me , I 'm happy to help . Thanks for asking ! 