When Do Insurance Companies Total A Car? 
Great question ! Th insurance company will typically total the car when the cost of repairing it is close to , or exceeds the value of the car . Remember that the value is determined by it 's `` blue book '' value or estimated value after depreciation , and not what you paid for it . I hope that helps ! If you need more information , feel free to contact me , I 'm happy to help . Thanks for asking ! 