Total loss scenarios
Common Total Loss Situations
Real-world guides for the situations owners actually face — rights, loan payoff, GAP, salvage retention.
My Car Was Totaled — What Are My Rights?
Your insurer declared your car a total loss. Here are your exact rights: dispute the ACV, invoke the appraisal clause, keep the salvage, recover sales tax & fees, and more.
Read guideCar Totaled But I Still Owe Money — What Happens Next?
If your insurance payout is less than your auto loan balance, you're upside down. Here's exactly how it works, what GAP insurance covers, and how to avoid paying out of pocket.
Read guideGap Insurance and Total Loss: How It Actually Works
How GAP insurance works on a total loss claim — what it pays, what it excludes, how to file, and why fighting the ACV still matters even when you have GAP.
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