What Happens When Insurance Totals Car. They pay you the car's actual cash value, minus any. For example, in arizona, the state threshold for totaling a car is 70% of its acv.
If your insurance provider has deemed your vehicle a total loss from an accident you caused, a total loss claim is made. For a vehicle to be declared a total loss by an insurance company, it must meet one of several criteria: What happens if car insurance.