Finding out your car is totaled can feel overwhelming, especially when you still need to get to work, pick up kids, or live your life. Take a breath. You’re okay. Here’s a calm, clear guide to help you understand what “totaled” really means and what to do next.

Step One: Understand what “totaled” means

A car is considered totaled when the cost to repair it is more than its value. In Ohio, insurance companies determine this based on damage, repair estimates, and the vehicle’s actual cash value.

Step Two: Review the adjuster’s assessment

An adjuster will inspect your vehicle and determine whether it’s repairable or totaled. Ask questions if anything is unclear. You deserve to understand the process.

Step Three: Confirm your coverage

If you carry collision or comprehensive coverage, your totaled vehicle may be covered. Your agent can help you understand what applies and what your options are.

Step Four: Learn your settlement amount

If your car is totaled, the insurance company will offer a settlement based on the vehicle’s actual cash value before the accident. This amount helps you replace your vehicle.

Step Five: Decide what to do with the vehicle

You can accept the settlement and let the insurance company take the vehicle, or in some cases, you may keep it with a salvage title. Your agent can help you understand the pros and cons.

Step Six: Handle your loan or lease

If you still owe money on your vehicle, the settlement will go toward your loan or lease. If you have gap coverage, it may help cover any remaining balance.

Step Seven: Plan your next vehicle

Once the settlement is finalized, you can begin shopping for a replacement vehicle. Your agent can help you understand timing, paperwork, and next steps.

Step Eight: Update your insurance

When you get your new vehicle, make sure your insurance is updated right away. We’ll help you choose coverage that fits your needs and budget.

What Not to Do

• Don’t assume the car is totaled without an adjuster’s review.

• Don’t accept a settlement you don’t understand.

• Don’t delay updating your insurance when you get a new vehicle.

• Don’t forget to ask about gap coverage if you have a loan.

Ohio Total Loss Tips

• Winter accidents often cause major damage.

• Deer collisions can total a vehicle even if it looks minor.

• Repair costs vary widely across Ohio.

• Vehicle values change quickly in the used‑car market.

If your car is totaled and you need guidance, we’re here to help.