Is my car totaled?
I have a 2019 Toyota RAV4 Hybrid with 93,000 miles. The repair estimate is $15,200, and the airbags did not deploy. I’m looking for opinions—should I start shopping for a new car, or do you think it’s worth fixing?
Totaled?
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It sounds like you’re in a tough spot with your 2019 Toyota RAV4. Generally, a car is considered “totaled” when the cost of repairs exceeds the vehicle’s actual cash value (ACV) or a certain percentage of it—often around 70-80%. With $15.2k in repairs and the vehicle worth around $25k-$30k (depending on condition and market), it’s worth checking if the repair costs meet that threshold.
If the repairs aren’t covered by insurance and you’re feeling uneasy about the car’s future reliability or safety, it might be a good idea to start looking for a replacement. You don’t want to be left with a car that could have underlying issues after such a significant accident, even if it technically isn’t totaled. It’s also worth discussing with your insurance adjuster to get their input and to understand what options you have. Good luck!