Get Cash for Your Total Loss Vehicle
When insurance totals your car, you're faced with a decision: let them take the vehicle, or keep it and receive a reduced payout. Many people don't realize there's money to be made by keeping the car and selling it separately. Your totaled vehicle still has significant value, and we want to buy it.
Whether you're keeping the car after an insurance total loss or you have a totaled vehicle without insurance coverage, we can turn it into cash. The "total loss" designation doesn't mean worthless - it means the insurance company chose not to repair it. To us, your car still has real value.
What Counts as a Totaled Car?
A vehicle is totaled when repair costs exceed a threshold percentage of its value. This varies by state and situation:
- Total Loss Threshold (TLT) states - Fixed percentage (usually 70-80%) where car is automatically totaled
- Total Loss Formula (TLF) states - Repair cost + salvage value exceeds actual cash value
- Collision total loss - Accident damage exceeds repair threshold
- Comprehensive total loss - Theft, fire, flood, or other covered events
- Constructive total loss - Technically repairable but economically impractical
- Actual total loss - Vehicle completely destroyed beyond any repair
- Uninsured total loss - Damage would be a total loss but no insurance to pay
How Much Is My Totaled Car Worth?
The value of a totaled car depends on several factors beyond the insurance company's declaration:
Nature of Damage: A car totaled for hail damage with a perfect drivetrain is worth more than one totaled for engine fire. The type of damage that triggered the total loss dramatically affects remaining value.
Running Condition: Does your totaled car still run and drive? Vehicles that remain operational are worth significantly more than those that don't. A driveable total loss is more valuable than a non-running one.
Year, Make, and Model: Popular vehicles have higher parts demand. A totaled Honda Civic has more parts value than an obscure model with low market demand.
Overall Condition: Beyond the specific damage, what shape is the rest of the car in? Low mileage, good interior, undamaged body panels - these all add value.
Salvage Value Deduction: If you kept your car through insurance, they've already deducted an estimated salvage value from your payout. Our offer might exceed that deduction, putting extra money in your pocket.
Totaled vehicles typically sell for 10-30% of their pre-damage value. Get a free instant quote to see exactly what your totaled car is worth.
Why Sell Your Totaled Car to Us?
Handling a totaled vehicle involves decisions that affect your bottom line. Here's why we're your best option:
- Beat the salvage deduction: Our offer may exceed what insurance deducted, meaning more total money for you
- No insurance required: We buy totaled cars with or without insurance involvement
- Salvage title expertise: We handle all the title complications that come with total loss vehicles
- Running or not: Whether your totaled car still drives or is completely disabled, we'll buy it
- Fast payment: Get cash quickly instead of waiting for insurance processes
- Free towing: We pick up your totaled vehicle at no cost
The Smart Move: Keep Your Car and Sell to Us
Here's a strategy many people don't know about:
When insurance totals your car, they typically offer two options: take their full payout and surrender the car, or accept a reduced payout (minus salvage value) and keep the vehicle. If you keep it, you can then sell to us.
Example: Insurance offers $8,000 total payout, or $7,000 if you keep the car (they deduct $1,000 salvage value). But if we offer you $1,500 for the totaled vehicle, you'd get $7,000 + $1,500 = $8,500 total - $500 more than surrendering the car.
Get our offer first, then make an informed decision about whether to keep your totaled car.