Generally, a damaged vehicle is considered a "total loss" if one or more of the following is true:
- it cannot be repaired safely
- the cost of repairs exceeds the actual cash value of the vehicle
- state regulations require us to consider it a total loss
If during a claim Clearcover determines that your vehicle is a total loss, the Claims Representative will ask you for additional information, including your car title/registration and loan account details. If you have the necessary coverage on your policy, Clearcover will pay the actual cash value of the vehicle minus any deductible.
Note that your auto policy does not provide coverage for mechanical failures.