{"id":22547,"date":"2024-11-08T03:42:44","date_gmt":"2024-11-08T11:42:44","guid":{"rendered":"\/wp-site\/?p=22547"},"modified":"2025-12-05T09:33:24","modified_gmt":"2025-12-05T17:33:24","slug":"totaled-car","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/totaled-car\/","title":{"rendered":"Totaled Car: What You Need to Know"},"content":{"rendered":"\n<p>Having your car declared a total loss is stressful, but understanding how insurance handles it can help. <strong>A car is &#8220;totaled&#8221; when the cost to repair it exceeds a certain percentage of its value<\/strong>, or when it simply can&#8217;t be safely repaired. The good news: if you have the right coverage, your insurer will pay you the car&#8217;s actual cash value so you can move on.<\/p>\n\n\n\n<p class=\"wp-block-jerry-live-text-wrapper\">\n  \nJerry has helped <span style=\"font-style:normal;font-weight:700;\" class=\"wp-block-jerry-live-text\">125,773<\/span> <strong>drivers<\/strong> get car insurance in the last year, including drivers who have totaled their car. Here&#8217;s what you need to know about getting fairly compensated when your car is totaled.\n<\/p>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-cover is-style-md-rounded-3xl has-aspect-ratio\" style=\"padding-right:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40);min-height:160px;aspect-ratio:5\/2;min-height:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" class=\"wp-block-cover__image-background wp-image-68258 size-full\" alt=\"\" src=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1.png\" style=\"object-position:66% 77%\" data-object-fit=\"cover\" data-object-position=\"66% 77%\" srcset=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1.png 1024w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-300x300.png 300w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-150x150.png 150w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-768x768.png 768w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-900x900.png 900w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-400x400.png 400w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-56x56.png 56w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/Honda1-250x250.png 250w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" fetchpriority=\"low\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-40 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-c861c09bfe2c0a1b0d66db8aa59bdf2e\" style=\"font-size:clamp(17.371px, 1.086rem + ((1vw - 3.2px) * 0.752), 27px);\"><strong>Jerry pulls up to 20 quotes from top rated carriers.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What insurance covers a totaled car?<\/h2>\n\n\n\n<p>The coverage that applies depends on what caused the damage and whether you were at fault.<\/p>\n\n\n\n<figure class=\"wp-block-table hidden md:block\"><table class=\"has-fixed-layout\"><thead><tr><th>Coverage type<\/th><th>When it pays for a totaled car<\/th><th>Do you need it?<\/th><\/tr><\/thead><tbody><tr><td><a href=\"\/car-insurance\/collision\">Collision<\/a><\/td><td>Your car is totaled in a crash with another vehicle or object, regardless of fault.<\/td><td>Required if financing. Optional if you own your car outright.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/comprehensive\">Comprehensive<\/a><\/td><td>Your car is totaled by theft, vandalism, weather, fire, flooding or hitting an animal.<\/td><td>Required if financing. Optional if you own your car outright.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/uninsured-motorist\">Uninsured motorist property damage<\/a><\/td><td>An at-fault driver with no insurance or insufficient coverage totals your car.<\/td><td>Required in some states. Strongly recommended everywhere.<\/td><\/tr><tr><td><a href=\"\/car-insurance\/gap\">Gap insurance<\/a><\/td><td>Covers the difference between your car&#8217;s value and what you still owe on your loan.<\/td><td>Recommended if financing your car.<\/td><\/tr><tr><td>New car replacement<\/td><td>Pays to replace your totaled car with a brand-new model of the same make and model.<\/td><td>Optional. Only available for newer cars (typically 1-2 years old).<\/td><\/tr><\/tbody><\/table><\/figure>\n\n  <div\n    class=\"block md:hidden\"\n    data-wp-interactive=\"jerry\/blocks-core\/table\"\n    data-wp-init=\"callbacks.onCardCarouselInit\"\n  >\n    <div class=\"core-table-card-carousel scrollbar-width-none mx-full-bleed flex snap-x snap-mandatory scroll-pl-6 overflow-x-scroll scroll-smooth px-6\">\n      <div class=\"mx-auto flex gap-3\">\n                  <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/collision\">Collision<\/a>    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        When it pays for a totaled car      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Your car is totaled in a crash with another vehicle or object, regardless of fault.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        Do you need it?      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Required if financing. Optional if you own your car outright.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/comprehensive\">Comprehensive<\/a>    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        When it pays for a totaled car      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Your car is totaled by theft, vandalism, weather, fire, flooding or hitting an animal.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        Do you need it?      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Required if financing. Optional if you own your car outright.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/uninsured-motorist\">Uninsured motorist property damage<\/a>    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        When it pays for a totaled car      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        An at-fault driver with no insurance or insufficient coverage totals your car.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        Do you need it?      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Required in some states. Strongly recommended everywhere.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      <a href=\"\/car-insurance\/gap\">Gap insurance<\/a>    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        When it pays for a totaled car      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Covers the difference between your car&#8217;s value and what you still owe on your loan.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        Do you need it?      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Recommended if financing your car.      <\/div>\n      <\/div>\n<\/div>\n                      <div class=\"core-table-card overflow-hidden w-72 snap-start rounded-lg border\"><!-- card title -->\n      <div class=\"line-clamp-1 px-3 py-3.5 font-circular text-base font-bold text-black\">\n      New car replacement    <\/div>\n  \n  <!-- card content -->\n  <div class=\"relative grid grid-cols-2 font-circular text-sm [&amp;&gt;*:nth-child(4n+3)]:bg-zinc-50 [&amp;&gt;*:nth-child(4n+4)]:bg-zinc-50 before:bg-primary before:absolute before:h-[3px] before:w-full before:content-[&#039;_&#039;]\">\n                      <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        When it pays for a totaled car      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Pays to replace your totaled car with a brand-new model of the same make and model.      <\/div>\n                <div class=\"flex items-center px-3 py-3.5 text-gray-600\">\n        Do you need it?      <\/div>\n      <div class=\"flex items-center px-3 py-3.5 text-gray-900\">\n        Optional. Only available for newer cars (typically 1-2 years old).      <\/div>\n      <\/div>\n<\/div>\n                  <\/div>\n    <\/div>\n\n    <div class=\"core-table-card-carousel-indicator mt-3.5 flex flex-row items-center justify-center gap-1\">\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n              <span class=\"rounded-full size-2.5 bg-zinc-200 data-[active=true]:bg-slate-400\"><\/span>\n          <\/div>\n  <\/div>\n\n  \n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Key takeaway:<\/strong> If you&#8217;re financing or leasing, make sure you have<strong> <\/strong><a href=\"\/car-insurance\/full-coverage\"><strong>full coverage<\/strong><\/a>, which combines <a href=\"\/car-insurance\/liability\">liability insurance<\/a> with collision and comprehensive coverage. <strong>A liability-only policy won&#8217;t pay for your totaled car.<\/strong><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How do insurance companies decide if a car is totaled?<\/h2>\n\n\n\n<p>Insurance companies compare the <strong>cost of repairs <\/strong>to your car&#8217;s <a href=\"\/car-insurance\/actual-cash-value-acv\/\"><strong>actual cash value (ACV)<\/strong><\/a>. If repairs exceed a certain threshold, they&#8217;ll declare it a total loss and pay you the ACV instead of fixing it.<\/p>\n\n\n\n<p>The threshold varies by state and can be determined in two ways.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Percentage threshold<\/h3>\n\n\n\n<p>About half of states use a <strong>fixed percentage, typically 70-80%<\/strong> of the car&#8217;s value. If repairs exceed that percentage, the car is considered totaled.<\/p>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<h3 class=\"wp-block-heading\">\ud83d\ude97  Scenario:<\/h3>\n\n\n\n<p>You crash your car, and the repair estimate is $11,500, which is 77% of your car\u2019s value of $15,000. You live in a state which uses a 70% threshold to consider a car totaled.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Car\u2019s market value<\/strong><\/td><td>$15,000<\/td><\/tr><tr><td><strong>Repair estimate<\/strong><\/td><td>$11,500<\/td><\/tr><tr><td><strong>Repair estimate <\/strong><strong>\u00f7 car\u2019s market value =<\/strong><\/td><td>77%<\/td><\/tr><tr><td><strong>Your deductible<\/strong><\/td><td>$1,000<\/td><\/tr><tr><td><strong>Your insurance pays<\/strong><\/td><td>$14,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>The repair estimates are higher than the 70% threshold, so your car is considered a total loss. You had full coverage on your policy, so after you pay your $1,000 deductible, your insurer pays you $14,000, your car\u2019s market value at the time of the crash.<\/p>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Total loss formula<\/h3>\n\n\n\n<p>The other half of states compare the combination of <strong>repair costs plus your wrecked car\u2019s salvage value<\/strong> to your car&#8217;s ACV. If the total of repair costs plus the salvage value equal or exceed ACV, it&#8217;s considered totaled.<\/p>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<h3 class=\"wp-block-heading\">\ud83d\ude97  Scenario:<\/h3>\n\n\n\n<p>You crash your car, and the repair estimate is $13,000. You live in a state that uses the total loss formula, which compares repair costs plus salvage value to your car&#8217;s actual cash value.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Car\u2019s market value<\/strong><\/td><td>$15,000<\/td><\/tr><tr><td><strong>Repair estimate<\/strong><\/td><td>$13,000<\/td><\/tr><tr><td><strong>Salvage value <\/strong>(what the wrecked car is worth)<\/td><td>$2,500<\/td><\/tr><tr><td><strong>Repair estimate <\/strong><strong>+ salvage value =<\/strong><\/td><td>$15,500<\/td><\/tr><tr><td><strong>Your deductible<\/strong><\/td><td>$1,000<\/td><\/tr><tr><td><strong>Your insurance pays<\/strong><\/td><td>$14,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>The combined total of $15,500 exceeds your car&#8217;s market value of $15,000, so your car is considered a total loss. You had full coverage on your policy, so after you pay your $1,000 deductible, your insurer pays you $15,000, your car&#8217;s market value at the time of the crash.<\/p>\n<\/div>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Key takeaway:<\/strong> A car with damage totaling 75% of its value would be totaled in <a href=\"\/car-insurance\/new-york\">New York<\/a> but might still be repaired in <a href=\"\/car-insurance\/texas\">Texas<\/a>, where the threshold is 100%. <strong>Your location matters<\/strong> in determining if a car is totaled.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How much will insurance pay for a totaled car?<\/h2>\n\n\n\n<p>Insurance pays for your car&#8217;s <strong>actual cash value (ACV)<\/strong>. ACV is what your car was worth immediately before the accident, not what you paid for it.<\/p>\n\n\n\n<p>Factors that affect your payout include:<\/p>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p>\ud83d\ude97 <strong>Year, make, and model.<\/strong> Some vehicles hold their value better than others, like the <a href=\"\/car-insurance\/honda\/civic\/\">Honda Civic<\/a> and <a href=\"\/car-insurance\/jeep\/\">Jeep<\/a> Wrangler.<\/p>\n\n\n\n<p>\ud83d\udccd <strong>Mileage.<\/strong> Higher mileage generally means lower value.<\/p>\n\n\n\n<p>\ud83d\udd27 <strong>Condition before the accident.<\/strong> Maintenance records and pre-existing damage matter.<\/p>\n\n\n\n<p>\ud83d\udccb <strong>Local market prices<\/strong>. Your insurer looks at what similar vehicles are selling for in your area.<\/p>\n\n\n\n<p>\ud83d\udcb5 <strong>Optional equipment and upgrades<\/strong>. Aftermarket modifications may or may not be covered.<\/p>\n<\/div>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-check-border text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Jerry recommends:<\/strong> Always ask your insurer for a <strong>copy of their valuation report<\/strong>. It shows exactly which comparable vehicles they used to determine your totaled car&#8217;s worth, and <strong>you have the right to challenge it<\/strong> if it seems too low.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-button-primary\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes with Jerry<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Protect yourself before a total loss with Jerry<\/h2>\n\n\n\n<p>The best time to think about being covered for a potential total loss is <strong>before you need the coverage<\/strong>. Comparing quotes helps you find the right coverage at a price that works for your budget.<\/p>\n\n\n\n<p>Jerry partners with over 50 insurance carriers and shows you quotes side-by-side, fast. You can adjust your coverage levels and <a href=\"\/car-insurance\/deductible\">deductibles<\/a> to see exactly how each choice affects your premium, and make sure you&#8217;re protected if the worst happens.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/signup\">Skip the hassle. Jerry finds competitive quotes in minutes.<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Can you negotiate a total loss settlement?<\/h2>\n\n\n\n<p><strong>Yes<\/strong>. Insurance companies aren&#8217;t always right about your car&#8217;s value, and their <strong>initial offer is often negotiable<\/strong>.<\/p>\n\n\n\n<p>To negotiate effectively:<\/p>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p>\ud83d\udd0d <strong>Research your car&#8217;s value independently<\/strong> using Kelley Blue Book, Edmunds or NADA Guides.<\/p>\n\n\n\n<p>\ud83d\udcc4 <strong>Gather documentation<\/strong>: Maintenance records, recent repairs, low mileage, or upgrades.<\/p>\n\n\n\n<p>\ud83d\ude97 <strong>Find comparable listings<\/strong> in your area showing similar vehicles selling for more.<\/p>\n\n\n\n<p>\ud83d\udcdd <strong>Request the insurer&#8217;s valuation report<\/strong> and challenge specific cars used as comparison that aren&#8217;t equivalent to your wreck car.<\/p>\n\n\n\n<p>\u2696\ufe0f <strong>Consider hiring an independent appraiser<\/strong> if the gap in what you think your car is worth is significant.<\/p>\n<\/div>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Key takeaway:<\/strong> Negotiating with your insurer can often get you an additional $1,000 or more. Don&#8217;t accept the first offer without doing your research.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What happens to a totaled car?<\/h2>\n\n\n\n<p>Once your insurer declares your car a total loss, you have a few options:<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-grid wp-container-core-group-is-layout-d9e42b50 wp-block-group-is-layout-grid\">\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);line-height:1\"><strong>Surrender the car<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"has-small-font-size\" style=\"line-height:1.4\">The most common option. You sign over the title, the insurer pays you the ACV minus your deductible, and they sell the car at a salvage auction.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);line-height:1\"><strong>Keep the car<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"has-small-font-size\" style=\"line-height:1.4\">In most states, you can buy back your totaled car at its salvage value. The insurer deducts the salvage value from your payout, and you keep the car to repair or sell for parts. The car will receive a salvage title.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--plus text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Why it matters: <\/strong>If you keep a totaled car, it must be repaired and inspected before it can be legally driven again. Even with a rebuilt title, it may be harder, and more expensive, to insure.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-cover is-style-md-rounded-3xl has-aspect-ratio\" style=\"padding-right:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40);min-height:160px;aspect-ratio:5\/2;min-height:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"620\" height=\"414\" class=\"wp-block-cover__image-background wp-image-67864 size-full\" alt=\"\" src=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3.png\" style=\"object-position:51% 71%\" data-object-fit=\"cover\" data-object-position=\"51% 71%\" srcset=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3.png 620w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-300x200.png 300w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-400x267.png 400w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-84x56.png 84w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-374x250.png 374w\" sizes=\"auto, (max-width: 620px) 100vw, 620px\" fetchpriority=\"low\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-40 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-2adf0f3b3da763c637f1a27c4a8fb322\" style=\"font-size:clamp(17.371px, 1.086rem + ((1vw - 3.2px) * 0.752), 27px);\"><strong>It only takes 2 minutes to sign up at Jerry.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    faq  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\ude97 <strong>How long does a total loss claim take?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Most claims settle within 2-4 weeks, though complex cases can take longer. The process includes inspection, valuation, negotiation and paperwork.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\udcb5 <strong>Will my insurance go up after a total loss?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p><strong> <\/strong>If the accident was <a href=\"\/car-insurance\/at-fault-states\/\">your fault<\/a>, your rates will increase. If someone else was at fault or the damage was from weather or theft, your rates may go up slightly.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\udcc9 <strong>Why is my payout less than I paid for the car?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Insurance pays actual cash value (ACV), which accounts for depreciation. A car loses value as soon as you drive it off the lot.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\udee1\ufe0f <strong>What if I don&#8217;t have collision or comprehensive coverage?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>If you only have liability insurance and total your car in an accident, you won&#8217;t receive a payout for your car. You&#8217;d need to pay for a replacement out of pocket.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\udd27 <strong>Can I dispute whether my car should be totaled?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Yes. If you believe repairs are feasible and prefer to keep your car, you can request a second opinion or get independent repair estimates. However, you generally can&#8217;t force the insurer to repair a car that meets the total loss threshold.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\udccb <strong>Who gets the payout if I&#8217;m financing?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>The insurer pays your lender first to cover the remaining loan balance. Any amount left over goes to you. If you owe more than the car is worth, you&#8217;re responsible for the difference unless you have <a href=\"\/car-insurance\/gap\">gap insurance<\/a>.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\udcc4 <strong>What happens if you owe more than your car is worth?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>This is called being &#8220;underwater&#8221; or &#8220;upside down&#8221; on your loan. If your car is totaled and the insurance payout is less than your loan balance, you&#8217;re responsible for paying the difference, even though you no longer have the car. If your car insurance policy includes gap insurance, then the gap insurance will pay for the remaining difference.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.<\/p>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2025\/02\/Ben-Moore.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2025\/02\/Ben-Moore.png 250w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-150x150.png 150w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-56x56.png 56w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Ben Moore            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet&rsquo;s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.<\/p>\n<p>Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela&rsquo;s, H&amp;R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Totaled cars cost more to fix than they\u2019re worth, but you may be able to argue for a higher settlement by providing proof of high-value features and recent work done to the vehicle.<\/p>\n","protected":false},"author":19,"featured_media":72159,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"wp-custom-template-single-car-insurance-beta","meta":{"jerry_authors":"[{\"id\":\"184\",\"type\":\"main-author\"},{\"id\":\"115\",\"type\":\"editor\"},{\"id\":\"187\",\"type\":\"reviewer\"}]","jerry_author_ids":[184],"jerry_idx_page_label":"","jerry_meta_desc":"Totaled cars cost more to fix than they\u2019re worth, but you may be able to argue for a higher settlement by providing proof of high-value features and recent work done to the vehicle.","jerry_related_posts":"[34668,10821,35694,28188,32925]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[],"tags":[31,120,619,365],"class_list":["post-22547","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance","tag-car-repair","tag-resource_car_insurance","tag-total-loss-car"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/22547","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=22547"}],"version-history":[{"count":15,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/22547\/revisions"}],"predecessor-version":[{"id":72160,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/22547\/revisions\/72160"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/72159"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=22547"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=22547"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=22547"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}