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What Happens When Your Car Is Declared a Total Loss | Payout

After a total-loss decision, your insurer usually pays the car’s pre-crash market value (minus deductible), and the title process often shifts toward salvage. Hearing “total loss” can feel like a gut punch, even if you already knew the damage looked bad. In practice, it’s not a moral verdict on your car. It’s a money-and-paperwork decision:

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