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Why does car insurance choose to write off if it only cost little less by repair the accidents?

Just wondering why auto insurance prefer to write off if it cost little more than fix the damages?

In most areas, state law requires that a car be deemed a total loss if the cost to repair equals or exceeds 75% of the cars fair market value.

In your example: $10,800 worth of damage to an $11000 car well exceeds the 75% threshold.

Additionally there are other costs to consider. If the damaged vehicle is a claimant vehicle- you have the repair costs, diminished value and rental charges. Sometimes these costs can exceed the cars value and it is more cost effective to total the car. (with a total car there are no diminished value claims and rental costs are greatly reduced).

Additionally, most vehicle owners that have a car that is damaged near 75% of its value don't want it repaired.

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