What Does Total Loss of a Vehicle Mean?

1 Answers
StJohn
07/29/25 11:39pm
Total loss of a vehicle refers to the complete destruction or severe damage of the insured vehicle, rendering it beyond repair. In such cases, the insurance company will classify it as a total loss. Here is relevant information about vehicle total loss: Severe Vehicle Damage: When a car experiences a very serious collision, resulting in severe damage to the engine and passenger compartment, it can be defined as a total loss. Vehicle Submerged in Water: In cases of floods or heavy rain where the water level exceeds half the height of the car, it can be defined as a total loss. Another scenario is when external water enters the passenger compartment, which can also be classified as a total loss. Vehicle Burned by Fire: If the car body has been burned by fire and the burned area exceeds 60% of the body, it can be defined as a total loss.
Was this review help?
3
5
Share
More Forum Discussions

Where are the starting and ending points of the G25 Expressway?

The starting point of the G25 Expressway is Changchun, and the ending point is Shenzhen. The starting point of the G25 Expressway in Changchun is at the ramp endpoint of the West Railway Station Interchange on the West Fourth Ring Road, intersecting with the Changchun Ring Expressway. It passes through Daling, Huaide, Qinjiatun, Bawu, Shiwu, Sangshutai, and Shuangshan, ending at the Dahu Interchange in Dahu Village, Shuangliao City, where it connects with the Shuangliao Bypass Section of the Da-Guang Expressway. The total route length is 124.681 kilometers. The main construction content of the G25 Expressway includes: subgrade engineering, pavement engineering, bridge and culvert engineering, safety facilities, greening and environmental protection projects, building construction, and electromechanical engineering. The construction period was from 2012 to 2015. The project commenced full-scale construction in April 2013, with most land acquisition and demolition work completed in 2014 to accelerate construction progress. In 2015, the 118.5-kilometer section from Daling to Shuangliao of the Changchun-Shuangliao Expressway was completed and opened to traffic.
10
2
Share

Which cities abolished the compulsory traffic insurance label in 2020?

In 2020, the known cities that abolished the compulsory traffic insurance label include: Beijing, Shanghai, Shandong, Shanxi, Guangdong, Henan, and Hubei. No official confirmation has been received for other regions. It is worth noting that vehicles must comply with local traffic laws. For example, several neighboring provinces and cities near Guangdong have not implemented the 'no compulsory traffic insurance label' policy. If you drive to a neighboring province and are caught without the label, you will still be penalized. Therefore, please carry your vehicle insurance label when traveling. Compulsory traffic insurance is a mandatory auto insurance required by the state, and its importance cannot be overstated. Methods to replace a lost compulsory traffic insurance label: 1. If the policyholder is an individual, they can bring their ID card, vehicle registration certificate, vehicle inspection materials, and proof of insurance payment to the insurance company for a replacement. 2. If the policyholder is a company, they need to bring the insurance policy list, power of attorney, and the identity proof of the person handling the matter to the insurance company for a replacement.
1
4
Share

Is Lane Changing Always Full Responsibility?

Lane changing is not always full responsibility. In the event of an accident during a lane change, the responsibility is determined based on the behavior of the vehicles involved. The details are as follows: Division of responsibility in lane changing: If the changing vehicle has not successfully completed the lane change and a collision occurs with a vehicle in the original lane, the changing vehicle is fully responsible. If the changing vehicle has completely entered the new lane before the collision and is then rear-ended by another vehicle, the rear-ending vehicle is fully responsible. If the changing vehicle rear-ends a vehicle that is driving normally in its lane, regardless of whether the lane change was successful or not, the rear-ending vehicle is fully responsible. Precautions for lane changing: When changing lanes to the left or right, it should not be done too slowly. The changing vehicle is fully responsible for any accidents. Long-distance driving on lane markings can affect other vehicles, so it is best to change lanes within a distance of 50 to 60 meters. When encountering obstacles, change lanes in advance to prevent collisions caused by forced lane changes. During lane changes, it is not allowed to ride on lane dividers, solid center lines, or solid edge lines for an extended period.
2
5
Share

How to handle traffic violations for a non-personal motor vehicle?

For traffic violations involving a non-personal motor vehicle, the person who was driving the vehicle during the violation can handle the penalty by bringing their own driver's license, ID card, and the vehicle's registration certificate to the vehicle management office. Alternatively, the violation can be processed through the Traffic Management 12123 app. However, if the person responsible for the violation is unwilling to take responsibility, then the vehicle owner must handle the violation themselves. The general rule for processing violations at the vehicle management office is that the person handling the violation will have their points deducted. The person handling the violation must bring the vehicle's registration certificate, their driver's license, and ID card to the violation processing window at the vehicle management office, take a number and wait in line, then follow the procedure to confirm the violation and pay the fine. Processing the violation through the Traffic Management 12123 app only requires the person handling the violation to bind the vehicle as a non-personal motor vehicle.
9
5
Share

What Causes Occasional Unresponsiveness of the Throttle During Normal Driving?

The reasons for unresponsive throttle during driving are as follows: 1. Clogged fuel lines: Excessive fuel flow speed can block the pipe opening, and releasing the throttle may retract the obstruction. 2. Poor quality fuel filter: Leading to poor flow. 3. Bent fuel pipe: Insufficient fuel supply at high throttle. 4. Issues with the engine control unit (ECU): Requires diagnosis with specialized equipment at a 4S shop. 5. Poor fuel quality: Excessive water content, though this is less likely. Therefore, regular vehicle maintenance is essential to identify and address such issues. Below is an introduction to maintenance: 1. Major maintenance content: Major maintenance refers to the routine replacement of engine oil, oil filter, air filter, and fuel filter at intervals specified by the manufacturer. 2. Major maintenance intervals: Major maintenance alternates with minor maintenance. Prices vary by car brand, so follow the manufacturer's recommendations.
3
3
Share

How many points are deducted for occupying the opposite lane?

Occupying the opposite lane by a motor vehicle is considered driving against the traffic flow, which results in a deduction of 3 points and a fine. Driving against the traffic flow refers to the following situations: 1. On roads with solid dividing lines: Motor vehicles entering the opposite lane, where the road dividing lines are double solid lines or single solid lines, are not allowed to cross the lines under any circumstances. 2. On roads with dashed dividing lines: It is permissible to borrow the opposite lane for overtaking when safe, but in the event of an accident, the vehicle borrowing the lane will be deemed to be driving against the traffic flow. 3. On roads marked with one-way signs: Any motor vehicle entering such roads will be considered to be driving against the traffic flow.
11
5
Share
Cookie
Cookie Settings
© 2025 Servanan International Pte. Ltd.