If the accident was your fault you're out of luck. If you were hit by someone, their insurance will total your car and pay you for its actual cash value.
It would depend on why the car was totaled and who's fault the accident was and what time of insurance do you have PLPD or Full Coverage
most time if the car was in an accident and is totaled you will have to by it back from your insurance company
The very first thing you do is report it to the police. Whether the car is "totaled" or not (a decision typically made by insurance adjusters), a police report is required for any automobile accident.
If a car is totaled in an accident and only liability insurance is present, there is a chance that the other party's insurance will pay for the vehicle if the accident was their fault. If a car is totaled, but no others were involved, then the responsibility falls on the registered owner. This will not release the registered owner from paying for the vehicle, either, if money is still owed on the car.
Either the cars owner or the insurance company who paid for the totaled vehicle
Your insurance may go up it may not, also sue for allot of money!!!
If another person was at fault for the accident, you will need to go after their insurance company. If you are liability only, your insurance company will not pay for anything.
Gap insurance only pays if the vehicle is totaled in an accident or stolen and not recovered. It does not cover the deficiency balance after a repossession sale.
if there is insurance it should pay for the loss
Its your fault
If you were insured at the time of the accident, your insurance should pay up to the amount stated on your policy. It does not matter if you still have the insurance now. It is important that you had it on the daye of the accident.