What is the law in Alabama concerning a totaled vehicle?

In Alabama, a vehicle is considered a total loss if the cost to repair it exceeds 75% of its pre-accident value. If your vehicle is declared a total loss, your insurance company will typically pay you the actual cash value (ACV) of the vehicle. The ACV is the amount that your vehicle would have sold for in a private sale just before it was totaled.

When your vehicle is totaled, you have several options:

- You can accept the insurance company's offer and cash out.

- You can negotiate a higher settlement with the insurance company.

- You can choose to repair your vehicle out-of-pocket if the insurance company's offer is too low.

*If you choose to repair your vehicle, you will need to obtain an estimate from a licensed body shop. The estimate must include the cost of parts, labor, and any other necessary expenses. You will also need to submit the estimate to your insurance company for approval.*

If the insurance company approves the estimate, they will typically reimburse you for the cost of repairs. However, if the cost of repairs exceeds 75% of the vehicle's pre-accident value, the vehicle will still be considered a total loss and you will not receive any additional reimbursement.