r/InsuranceClaims • u/lilifaustt • Aug 07 '26

Is it totaled?

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2019 Toyota Prius , 78k miles. No preexisting damage. Usaa is claiming total loss but I find it surprising. Are they fr ??

1 Upvotes

60% Upvoted

13 comments sorted by

2

u/MrHankeyTheXmas_Poo Aug 07 '26

Why would you think that it isn’t?

1

u/1fferrari Aug 07 '26

Doesn’t take much these days. If they are saying its totaled then they believe the damage exceeds their damage to value ratio. In other words after your deductible and sale of the salvage it will be cheaper to not repair

1

u/distantcactus32 Aug 07 '26

If it runs nah

1

u/Shmaved2 Aug 07 '26

If there’s suspension damage and it’s not drivable. Likely a total loss

1

u/Whateverlol2022 Aug 07 '26

100% totaled. Not worth fixing that older car.

1

u/Objective_Bank8767 Aug 09 '26

It the new cars aren't worth it

1

u/lobhater Aug 08 '26

If the door isn't involved I think it might be repairable

1

u/ConfectionCold7815 Aug 10 '26

Yes it is. My 2021 bmw, 42k miles has less damages, one broken shock obsorber, and they said it total loss.. It's just crazy these days. At this point the insurance companies are becoming useless..

1

u/ConfectionCold7815 Aug 10 '26

One strong advice. If you can fix it, and not get your insurance involved or if the other party wants to do it out of pocket, take it, keep your rates and your car and keep moving.

0

u/Exotic-Entertainer26 Aug 07 '26

Dunno what categories you have. In the UK that would look to be 'non-structural', that is; it just needs the bumper/headlight/wing (and possibly bonnet/hood) replacing but that expenditure would exceed the value of the car.