The insurance company says my car is a “total loss”. What does that mean?

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Personal Injury & Wrongful Death

The standard for determining whether a vehicle is declared a total loss or not, is by the State of Florida, not the insurance companies. The State of Florida says that if repairs exceed 80% of the actual cash value of the vehicle, then it can be declared a total loss.


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I was referred to Draper Law by my father in-law after being hit from behind in an auto accident. I didn't realize, at the time, what an important decision I was making by hiring a personal injury attorney to represent me. Charles Draper took the time to explain the process and what I could expect. His professional team was there for me every step of the way through a long, and often complicated, legal experience. I just want to express my sincerest gratitude for all the efforts that were taken by Charlie and his team on my behalf in obtaining a settlement on my case.