There are many determining factors to classify a car as a total loss. Condition of the car at the time of accident, age and mileage all determine the blue book value of the vehicle along with the cost of repairs. The United States uses total loss as an insurance term. It is when is when the current value of the vehicle determined by the blue book value is less than the cost to repair the damaged vehicle. After a collision, an auto insurance company appraiser assesses the damage to your vehicle. He is determining the exact cost to repair your vehicle back to the condition before the accident. An insurance appraiser will normally assess your wrecked vehicle in one to five days after you report the accident. Damages include all mechanical items that are non-working as well as interior and all exterior bodywork in order to restore your car to a safe condition. A car may appear as though it only needs bodywork to repair it. A vehicle with a bent frame has less strength to survive an additional crash and as a safety hazard will be a total loss. Airbags will need replacing in order to be safe and the extensive cost of airbag replacement can sometimes be the determining factor in totaling a car.Significance
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