How to Get Insurance to Treat a Flood-Damaged Car as a Total Loss

[MacLouis]

There is no separate total loss standard for flood-damaged vehicles. Whether they are deemed a total loss follows the same criteria as vehicles damaged by other causes. When the repair costs exceed 80% or more of the vehicle's value, the insurance company will process the claim as a total loss. If the vehicle still fails to meet the national safety technical standards for in-use vehicles after repairs and adjustments, it must be declared a total loss.