1. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    An auto insurance carrier will typically consider your vehicle totaled when the cost to repair the vehicle would be greater than the valuation of the vehicle at the time of the accident. Insurance carriers have a standardized table that is typically used to determine the valuation of the vehicle or in some cases you may have the vehicle covered at a stated or agreed value at the inception of the policy.
    Answered on October 30, 2013
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