Q -But most of the time when you call your insurance company, they arrange for a tow truck to take it to a pre-determined place, how do you get valuation in that case? What if you think it is totaled and your insurance company doesn’t think so?
A – Tow companies allow access to your vehicle in their lots for retrieving personal items from the vehicle, and for inspection by the individual carrying out the valuation. The actual cash value (ACV) of the vehicle versus the cost of repairs determines if a vehicle should be totaled. If the cost to repair is around 75% of the ACV, the vehicle will most likely be totaled. The determination should be based on the math