A vehicle is a total loss (or totaled) if any of the following apply:
The vehicle cannot be safely repaired
Repairs would cost more than the vehicle’s estimated value
The damage meets your state’s total loss guidelines, florida is 80%
A car is deemed a total loss under Florida law when the cost to repair it is 80 percent or more of its ACV – actual cash value. Actual cash value refers to how much the car was worth immediately before the damage. Most auto insurance companies in the state of Florida will pay for a total loss vehicle property damage claim in one of two ways: settlement of the damage to your vehicle on the basis of actual cash value or replacement with another vehicle of like kind and quality.

If you’ve been injured in an accident, contact an experienced personal injury lawyer immediately. For a free case evaluation, call the Miami Legal Firm at 305-265-2265