How Much Will Insurance Pay For My Totaled Car? 
That can vary but one way to begin to understand the possible settlement is to research your car 's book value through sources like NADA or Kelly Blue Book , both of which have on line sites that are very good and easy to use . Once you have that information , another good rule of thumb to know is that an insurance company will `` total '' a car when the damage cost to repair begins to approach the book value . Usually at about the time the repair cost hits about 70 % of the book value , the likelihood that the adjuster will determine the car to be a total loss becomes very great . In many cases then , as a guideline , figure a settlement offer to be about 70 % of the average book value of your car . This is a guide of course , your claims professional will make the final determination . 