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What am I owed if my car can’t be repaired–and who decides if it is a “total loss”?

What am I owed if my car can’t be repaired–and who decides if it is a “total loss”?

A car is deemed a “total loss” in Kentucky if it will cost more than 75% of the actual cash value of the car to repair it. In simple terms, if the car is worth $10,000, and the repair estimate comes in at $7,501, the car is a total loss, and the insurance company does not have to pay for repairs, even if you want it repaired. In that case, they will have to pay the actual cash value of the car–which is determined objectively through sales comparisons, market research, etc.

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