My accident the one when I hit the wall, the estimate came out to 8,000 total and my car blue book trade in is worth is 8500 and retail is 12,800. Does the insurance company go by trade in or retail because their sending me a check for 8,000 supposedly, and isn't it if the car has more than 80% of what its worth, worth of damages the car is totaled?

 

Insurance companies will always try to screw you over, because the less money they have to give you in an accident, the more money they save. Usually they will pay you trade in value, if you want more than that, you have to make sure to make your point than that, if you have full coverage, they should pay the amount of replacing the car. In other words, they should give you 12,800. When I wrecked my eclipse, even though I paid $16k plus taxes and licensing, the insurance company was forced to pay replacement cost, which was $21k. You just have to fight them.

 

but they didnt tell me anything about my car being totaled, by car already is having repairs done to the car...

 

But the insurance company is sending you a check already? Thats interesting. Are they sending a check to have it repaired.

 

If the car is having repairs done to it, then it seems like you will get the car back and it will not be totaled.

 

Exactly. Your car will not be salvaged, but it will have an accident on the vehicle history which could lower the resale value of it.