How Is It Determined That A Car Is Totaled?

The agents of Dove Insurance Agency serve residents who live in and near the Roanoke or Blacksburg, VA area. When it comes to automotive insurance, many of their clients rely on them to explain why their car or truck was totaled after an accident. There are times when a vehicle is totaled, but it still runs and looks as if it could be repaired. It’s important to know how the determination is made when it comes to totaling a vehicle.

Repair Cost vs. Resale Value

The cost of making the needed repairs versus the car’s resale or "book" value will play a definite role in whether the car can be repaired. If the car’s total value is listed at $1000 and the repairs to fix it will cost $1500, the car will be totaled simply because it won’t hold its value if you try to sell it after it’s been fixed. In some cases, the value of the car may hold, but the repairs may be so extensive that the labor makes it a poor repair choice.

Buying the Car

There are some cases where the car is totaled, but the owner has the option to repurchase the vehicle from the junkyard and make the repairs on their own. This is often an excellent choice for an older vehicle that has an engine with low miles. Even though the body may be damaged, the engine still has plenty of life left to it.

If you live in the Roanoke or Blacksburg, VA area and have questions about why a car has been totaled and what your options are, call the agents of Dove Insurance Agency and schedule a consultation today!

Save & Be Properly Covered Today | Let Us Help

You see the bumper stickers, signs, and declarations all across Virginia: Buy Local, Eat Local. Some shout Grow Local!

So why not purchase your insurance local? Insurance is in essence a financial product; it’s a contract designed to help protect you, your family, and those you may come in contact with. Your home or auto insurance policy is not a piece of paper or an ID card. And despite endless TV or radio ads clamoring for you attention, and Independent Agent can offer you more options because we’re not employees. We’re independent, small business, and you guessed it, Local.

Serving The Commonwealth of Virginia For Over 50 Years

At Dove Insurance Agency our family of Independent Agents are dedicated to serving you and working with your lifestyle. We’ll educate you on the coverage you need to keep your property and family secure, no matter what the future brings.

Instead of working for one big company, our family of Independent Agents represent multiple insurance providers. This allows us to compare rates and coverages so you’ll get the best coverage-to-value policy available. We’re here to serve you.

Let us help.

540.382.4277

 

Help Reduce Distracted Driving

More than 40,000 Americans died on the roads in 2016, the most significant increase in deaths over a two-year period in more than 50 years.1 Whether someone you love has been known to text and drive, or you have found yourself distracted behind the wheel, these tips can help avoid dangerous activity on the road.

  1. Stow your phone. Turning off the phone and putting it in “do not disturb” mode can help remove the temptation to browse online at a red light or respond right away to a text message.
  2. Vow not to multi-task. Anything that occupies your mind or vision can be a distraction behind the wheel. Make time at home to eat meals or put on makeup, so you can focus on the road.
  3. Don’t be a distraction. Avoid calling or texting family members and friends when you know they are driving to avoid distracting them.
  4. Talk to your employer. Responding to texts or taking calls for work while driving can be dangerous. Encourage your employer to have a distracted driving policy that includes waiting to talk with employees until they are safely parked.
  5. Keep kids and pets safe. Make sure kids are in proper car seats and that pets stay secured in their zone in the back of your vehicle. It can also help reduce distractions if pets are not roaming about the car.
  6. Set a good example. Parents can model good behavior for their children by demonstrating attentive driving. Avoid texting, eating, grooming or calling someone while behind the wheel.
  7. Plan your route before you go. Programming your navigation system while you drive can take your eyes off the road. It’s better to ask a passenger to do it or to enter your destination before you leave home.
  8. Speak up. If you see someone texting or otherwise driving while distracted, say something and let them know that you are not comfortable with that behavior. Encourage your children to do the same when they are passengers in a friend’s car. It could save a life.
  9. Set rules of the road. Consider restricting the number of passengers until your teen or new driver gains experience behind the wheel.
  10. Avoiding reaching. Resist the urge to reach for items if they fall while driving.

Taking your eyes off the road to search for an item can make you more likely to have an accident.

Share these tips to help keep others safe. For more on ways to reduce distracted driving, check out Every Second Matters, Travelers’ conversation starter on reducing distracted driving risk.

Source:
1 National Safety Council, NSC Motor Vehicle Fatality Estimates.
www.nsc.org/NewsDocuments/2017/12-month-estimates.pdf
*Content provided by Travelers Insurance. Dove Insurance Agency is proud to offer Travelers Insurance