What happens when a vehicle is “totaled"

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 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.