omalleyman
Senior Member
- First Name
- Tom
- Joined
- Oct 3, 2019
- Threads
- 4
- Messages
- 89
- Reaction score
- 75
- Location
- Cleveland, OH
- Vehicle(s)
- '19 Civic Type R
Strictly from an insurance standpoint they don't care what you owe on the car. It is based on actual cash value and what the repair costs are. If your repair costs exceed a percentage of the repair costs (typically around 70%, depending on your state), it's considered a total loss.
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