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there are generally three ways a car is deemed total loss... 1) OTL (obvious total loss) meaning anyone can see that this car should never be put back together, ie total burn, flood into dash, some heavy structure damage such as fire wall etc...on some older cars if more than 1/2 the sheet metal needs replaced.. 2) economic total= the value of the vehicle minus the salvage value is how much can be spent to repair this vehicle (including rental etc if a claimant)..the repair amount equals or exceeds this amount it is then an economic total.. (most common) 3) percent total= many states have different laws regarding percentage, where i am (MO-KS), if the cost of repair is in excess of 75% of the acv, (actual cash value) of the vehicle, it is a total loss......(second most common) if you could give more details perhaps i could help more......

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Q: Can an insurance company total your car when its not that far away in cost from being totaled anywaywhen the estimate is 3300 the adjustor quoted it for 3400 the car is only worth 4500?
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