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What to do when your car is totaled - Clark Howard

1. You can accept the insurance company’s full settlement and get another vehicle. Most of the time, if your vehicle is totaled, the insurance company will offer to pay you the fair market value of your vehicle before it was wrecked. If your vehicle is paid off, that may not be a bad deal.…

What Happens If My Car Gets 'Totaled' in an Accident ...

If you're financing a car that's been totaled, your insurance company will likely make the claim check payable to both you and your lender, which means you'll have to come to an agreement with your lender on how to release that money, the Insurance Information Institute (III) says. Typically, the lender will be reimbursed first, with any remaining money then being paid to you.5/5…