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While it normally a tough thing to do, although there can be circumstances when the responsible party is amiable to it..and sometimes you can get a 3rd party involved to essentially get you there.

The responsible party is only liable to pay for the cost of repairs up to the value of the vehicle...whether you want it fixed or not. They never have to pay more than the value of the car...that is the most you had to lose.

However, if they pay you the amount of the repairs they have no interest in the car. But if it is totaled the paying party gets to own the wreck. So, if the wreck as a junk value that is more than the difference between the cost of repair and the full value of the car, they may be interested in paying you the (higher) full value and selling the car for the junk value, essentially costing them less. But, they also have to be interested in messing around with the whole thing more, which insurance companies generally aren't - every action and decision costs them more money.

If you can make it easy for them, basically finding someone who will buy it from them, they may do what your asking. But once again, there isn't anything stopping you from doing exactly that...take the $ for the repair and sell the junk to the interested party...adding the 2 together may even get you more than full value!

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Q: How can you get a car declared totaled instead of getting repairs?
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How do you determine if a vehicle is totaled?

If the repairs of the vehicle exceed the value of the vehicle, then the vehicle is declared total loss.

What is the definition of totaled?

used of automobiles; completely demolished; "the insurance adjuster declared the automobile totaled"

What happens to a car that's declared totaled by the insurance company?

If you want to keep a totaled car, the insurance company will determine the salvage value and deduct that from your settlement check. You can still get liability insurance (if there are no safety issues related to the damage), but not collision or comprehensive unless you have the repairs made.

How do you put the word repairs into a sentence?

The cost of repairs to the vehicle totaled well over two thousand dollars.

What if hail damage is greater than the value of car?

than your car is totaled and your insurance company just pays you a dollar amount instead of paying for the repairs... assuming you have insurance

What is considered totaled in a car accident?

A car is considered "totaled" if the cost of repairs is equal to, or greater than, the blue book value of the vehicle.

How much do repairs have to cost for the car to be considered totaled?

When the damage is more than the bluebook value.

When the air bags go off in a car is it automatically declared totaled?

No.They are replaceable.

What states has a provision that a vehicle must be totaled after an accident?

I don't know if there's a provision but, depending on which state you live in a car is totaled when the repairs cost more than 50-75% of the car's value.

What if your 2001 Ford Explorer Sport Trac is declared totaled with over 100k miles is it worth fixing?

I wouldn't.

If your car is declared totaled does the car belong to the owner or the insurance company?

The insurance company. They have in theory bought the car or what was left of it.

How do you know if your car is totalled?

many different ways to answer this question. I would go with the local laws and if the car is allowed on the street. In other words, if it's still running would you get pulled over for driving a unsafe car. If the repairs cost more than the vehicle is worth, it is totaled.