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Category: Total Loss & Diminished Value

Guides for totaled cars and lost resale value: how insurers decide a car is a total loss, how to challenge a low actual cash value, how GAP coverage works, and how to calculate and claim diminished value after repairs.

The two numbers that decide a total loss are your state's threshold and the actual cash value the insurer gives your car. Both can be checked: the threshold against the statute, and the value against comparable cars for sale near you. If the car was repaired instead, an accident on its history report can still cost you resale value that the at-fault insurer may owe.

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