• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
  • Customer Portal
Tulsa and Muskogee: 800.259.4677 | OKC: 800.699.5905 | After HRS: 866-292-0953
Home
Customer Portal

 

  • Blog
  • Customer Service
    • Make a Payment
    • Request ID Card for Auto Policy
    • Request General Liability Certificate of Insurance
    • Request Evidence of Insurance
    • File a Claim
    • Property Loss Claim Form
    • Auto Accident Claim
    • Important Links
    • Insurance Glossary
  • Get A Quote
    • Workers Compensation
    • General Liability
    • Business Owners (BOP)
    • Bonds
    • Commercial Property
    • Homeowners
    • Automobile
    • Motorcycle
    • Farm
    • Watercraft
    • Health
    • Life
    • Annuity
  • About Us
  • Contact Us
    • Contact Us
    • Employee Directory
    • Our Locations
  • Home
    • Home Page
    • View our Blog
    • Join Our Newsletter
    • Refer a Friend
    • Privacy Policy
Business Insurance BUSINESS

Discover the perfect insurance options to meet your unique needs.

Read More
Workers Compensation Insurance WORKERS COMP

Finding insurance doesn't have to be difficult. We do the work for you.

Read More
Auto Insurance AUTO

Insurance that protects you against financial loss with accidents.

Read More
Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

Read More
Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

Read More
Health Insurance HEALTH

Learn about different health coverage options that fit your needs.

Read More
Home > Blog > Can a Car Be Totaled in a Single Car Accident?
WEDNESDAY, JANUARY 13, 2021

Can a Car Be Totaled in a Single Car Accident?

When drivers think of totaled vehicles, they primarily think of dangerous accidents involving multiple cars and drivers. However, single car accidents can be just as devastating. Getting into an accident on your own can cause substantial damages to your vehicle and injure anyone in your vehicle. 
silver car that has been in an accident
Keep in mind that how a totaled vehicle is calculated does not have to do with the accident itself, but the damage involved. If the damage done to your vehicle would cost more to repair than it would to replace, your vehicle may be declared totaled.  

Your insurer will calculate the value of your vehicle compared to how much repairs will be. If your vehicle is totaled, you may receive payment for the actual cash value of the vehicle minus your deductible rather than compensation only to make repairs on certain damaged areas. 

Can You Prevent a Car from Being Totaled? 
There is no real way to prevent your vehicle from being declared as totaled once it has already been damaged. The only way to prevent severe damage to your vehicle is to drive defensively and avoid distractions on the road, such as food and cellphones. 

You should hold off on making repairs to your vehicle after an accident until you hear back from your insurer, as they will want to investigate the damage and help calculate whether your vehicle is indeed totaled. Keep in mind that totaling your vehicle isn’t the end of the world. As long as everyone is safe, it can be cost effective to purchase a new vehicle rather than trying to repair a totaled one. 

Will Car Insurance Go Up After a Car is Totaled? 
In general, your car insurance rates will go up after an accident whether it is a single car accident, multi-car accident, totaled or not totaled. Any incident involving your vehicle and insurance provider may impact your rates. 

The rates at which your premiums will go up can vary depending on the circumstances and severity of the accident, however. For example, a single-car accident involving no injuries may only last on your record from three to five years. However, a severe accident in which you incur a DUI (Driving Under the Influence) can last on your driving record for an upwards of 10 years. This means that, as long as the accident it on your record, that is how long you may see a related increase in car insurance prices. 
Posted 4:33 PM

Tags: auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015

  • business insurance(38)
  • home insurance(12)
  • auto insurance(9)
  • life insurance(8)
  • tips(7)
  • insurance(6)
  • workers compensation insurance(4)
  • general liability insurance(4)
  • coverage(4)
  • workers compensation(3)
  • health insurance(3)
  • business(2)
  • motorcycle insurance(2)
  • farm insurance(2)
  • boat insurance(2)
  • contractor insurance(2)
  • e and o insurance(1)
  • prevention(1)
  • auto insurance deductibles(1)
  • oklahoma city farm insurance(1)
  • protection(1)
  • workers comp(1)
  • claims(1)
  • retirement(1)
  • general liability(1)
  • passenger accidents(1)
  • income(1)
  • car insurance(1)
  • safety tips(1)
  • new business owners(1)
  • when should i buy life insurance(1)
  • oklahoma city home insurance(1)
  • side(1)
  • oklahoma city business insurance(1)
  • commercial(1)
  • business property(1)
  • auto insurance in oklahoma city(1)
  • annuities(1)
  • small business insurance(1)
  • equipment insurance(1)
  • preventing burns on job sites(1)
  • claims information(1)
  • scheduled coverage(1)
  • burnout(1)
  • business owner's policy(1)
  • oklahoma city workers compensation insurance(1)
  • monthly business review(1)
  • personal advertising injury(1)
  • cyber threats(1)
  • home safety(1)

View Mobile Version
Social
Facebook
Twitter
LinkedIn
Google+
Carriers
Carriers
Carriers
Carriers
Carriers
EMC
Carriers
Twitter Logo
Tweets by @ijournal

Resources

Home About Us Get a Quote Customer Service Newsletter Contact Us

Contact Us

bainswest logo

 

trusted choice
  • Mailing Address
  • 118 N 16th St.
  • Muskogee, OK 74401
  • O: 800.259.4677
  • L: 918.683.7844
  • F: 918.687.0244
  •  

  • Mailing address
  • 6601 Broadway Ext, Suite 130
  • Oklahoma City, OK 73116
  • O: 800.699.5905
  • L: 405.842.2337
  • F: 405.842.0051
 
© Copyright. All rights reserved.
Powered by Insurance Website Builder