If you’ve just been in an accident and someone says your car might be “totaled,” it’s okay to feel overwhelmed. Whether you’re reading this at the scene, in a hospital room, or from home while helping a loved one, this article will walk you through what it means when a car is totaled in Florida and more importantly, what you can do next.
What Does It Mean When a Car Is “Totaled”?
When a car is “totaled” (also called a total loss), it means the damage is so severe that the cost to repair it is close to or more than the car’s actual market value before the crash. In Florida, your insurance company will typically declare a car totaled if:
- The cost of repairs plus salvage value exceeds 80% of the car’s value.
That threshold is based on Florida’s Total Loss Threshold Law (Statute 319.30).
What to Do If Your Car Is Totaled
1. Check On Your Safety First
If you’re at the scene or just getting checked out, make your physical well-being the top priority.
- Call 911 if you haven’t already.
- Seek medical attention even if you feel “okay” some injuries can show up later.
- It’s okay to feel shaken. Breathe. Help is available.
2. Document the Scene (If You Can)
If it’s safe and you’re able:
- Take clear photos of your car from all angles.
- Capture the damage to other vehicles, the road, and surroundings.
- Get the names and insurance info of others involved.
- Speak to witnesses or ask a friend to help.
3. Report the Accident to Your Insurance
Florida is a no-fault state, so your Personal Injury Protection (PIP) will cover initial medical costs regardless of who caused the accident.
- File the claim as soon as possible.
- Provide all documentation and photos.
- Ask if your car is being evaluated for a total loss.
4. Understand the Total Loss Evaluation
Your insurance company will inspect your vehicle and compare:
- The actual cash value (ACV) of your car before the accident
- The estimated repair costs
- The salvage value (what’s left of the car)
If the costs exceed 80% of your car’s value, it’s likely totaled.
Helpful Tip: Ask the insurance company how they calculated your vehicle’s value and what sources they used. You can dispute the valuation if it feels too low.
What Happens Next?
If You Own the Car Outright
Your insurance will offer you a settlement check based on the car’s value before the crash. You can use this to:
- Buy a new or used vehicle
- Apply it toward a loan (if needed)
If You’re Still Financing or Leasing
Things can get more complicated:
- The insurance check may go directly to your lender.
- You’re still responsible for any balance that the insurance doesn’t cover.
Helpful Tip: If you had GAP insurance, it can cover the difference between what you owe and what your car was worth.
Can You Keep a Totaled Car?
Yes, but with limitations. You can opt to keep the totaled vehicle, but:
- The insurer will reduce your payout by the salvage value.
- You’ll need a salvage title.
- You can only legally drive it again if it’s repaired and passes a state inspection.
How Long Does It Take to Get a Payout?
Every situation is different, but once your car is declared a total loss:
- Insurers typically provide a payout offer within 7–14 days.
- You don’t have to accept the first offer. You can negotiate.
If you feel pressured or unsure about the offer, you can speak with a qualified attorney who understands Florida’s insurance laws.
You Don’t Have to Handle This Alone
Accidents, especially serious ones, are emotional, confusing, and exhausting. If you’re hurting, confused, or supporting someone who is, know that:
- You have rights.
- You can ask questions.
- You can get help.
Hurt Aid is here to compassionately connect you with licensed Florida attorneys and qualified medical providers who can guide you through recovery physically, emotionally, and financially.
Next Steps
- Get medical attention
- File a claim with your insurer
- Ask for the valuation report and compare offers
- If needed, contact Hurt Aid to find a trusted provider or legal expert in Florida
