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If your car is declared a total loss it can feel overwhelming, but knowing what steps to take can help you navigate the process more smoothly. Make sure your insurance company has officially classified your car as a total loss. A vehicle is typically considered a total loss when the cost to repair it exceeds a certain percentage of its actual cash value, which varies by state and insurer. Ask for a written explanation and a copy of the valuation report so you understand how they arrived at that number.

Be sure to collect all required paperwork including your vehicle title, registration, keys, and any loan or lease information if you still owe money on the car. If you have a loan the insurance payout will usually go directly to your lender first. Verify your remaining balance and whether the settlement will cover the full balance. If the payout doesn’t cover your remaining debt you may need gap insurance to cover the difference.

After verifying all information you can begin the claims process. Your insurance provider will require a surrender agreement and may require you to surrender the vehicle. If you’d like to retain ownership you can often negotiate to buy it back at its salvage value, but be aware that it will receive a salvage title and may be difficult to insure or resell.

While your car is being processed start looking for a replacement. Let the settlement guide your buying decision and consider whether you want to buy a similar model, upgrade, or go for something more affordable. If you’re leasing contact your leasing company to understand your options and obligations.

Don’t overlook notify your state’s DMV about the total loss and update your registration and insurance policies. Don’t forget to cancel or transfer your auto insurance coverage and add your new one as soon as possible.

During every stage keep all communication in writing and don’t hesitate to ask questions. If you believe the offer is unfair you can request a second appraisal or provide documentation of recent repairs, Skrota bilen säkert i Göteborg upgrades, or comparable vehicle values to support a higher offer. Maintain your composure and attention to detail—while losing a car is stressful, taking these steps can help you move forward with confidence.