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See how the claims process works if you have a total loss.
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If you file a claim for the same loss involving two of your vehicles that are covered by a car insurance policy with The Hartford, you will pay only one deductible – whichever is higher – for the covered losses to the vehicles.
What Does It Mean When Your Car Is Deemed a Total Loss? As a result of an auto accident, your car might be so badly damaged that it is beyond repair. This is often referred to by using the term “totaled”.
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What Does Total Loss Mean? Car insurance companies label a vehicle a “total loss” when the cost to repair the vehicle to its pre-damaged state exceeds the cost of the vehicle’s worth, or actual cash value. Determining whether a vehicle is a total loss depends on several factors such as:
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