{"id":37234,"date":"2023-11-18T00:08:35","date_gmt":"2023-11-18T00:08:35","guid":{"rendered":"https:\/\/www.boredmom.com\/?p=37234"},"modified":"2024-11-12T15:21:20","modified_gmt":"2024-11-12T15:21:20","slug":"how-to-get-back-on-your-feet-after-your-car-is-totaled","status":"publish","type":"post","link":"https:\/\/stage.boredmom.com\/?p=37234","title":{"rendered":"How to get back on your feet after your car is totaled"},"content":{"rendered":"

A totaled vehicle is a disaster. It can impact your physical wellness, your financial wellness, and your sense of independence in the modern world.<\/span><\/p>\n

And whether you were <\/span>in a crash<\/span><\/a> with other vehicles, collided with something stationary, or your car was hit while parked, you\u2019ve now got a totaled vehicle that can\u2019t be used anymore. What are you supposed to do? Here are a few quick checks to run through.\u00a0<\/span><\/p>\n

Check the Loan Status<\/b><\/p>\n

Did you borrow in order to buy the car? If so, you\u2019re still going to have to pay that off. The loan itself is still valid, even if you can\u2019t use the vehicle anymore. Even with a low credit score, you can\u00a0get approved fast for bad credit car loans in Ottawa<\/a>, helping you get back on the road quickly after a total loss. Make sure you keep this in mind when you\u2019re <\/span>dealing with a totaled car<\/span><\/a>. You might still have debt hanging over your head, which could delay your plans in getting a new car, or change your priorities when dealing with the insurance.\u00a0<\/span><\/p>\n

File an Insurance Claim<\/b><\/p>\n

If you haven\u2019t done so already, be sure to look into the payout options on the insurance. If the car has been truly totaled, the insurance will have already informed you it\u2019s not worth saving. But from here on out, you\u2019ve got a couple of options.\u00a0<\/span><\/p>\n

Number one: take their cash offer, or write to complain if you feel it\u2019s too low. Number two: allow them to provide you with another vehicle that\u2019s of an equivalent value. However, if your insurance doesn\u2019t cover these options, you can decide to sell the car yourself, either for parts or whole to a junkyard.\u00a0<\/span><\/p>\n

Scrap the Car Yourself<\/b><\/p>\n

Speaking of, if you decide to keep the car and scrap it, you should work out what would be worth more to you. Taking off parts bit by bit can usually net you a slightly larger profit, but if you\u2019re a total beginner when it comes to salvaging cars, this can be a lot of work. If you don\u2019t have the expertise or the time for such a job, taking it to your nearest scrapper isn\u2019t a bad idea. You can even shop around and see which shop will offer you the most.\u00a0<\/span><\/p>\n

Get a New Car<\/b><\/p>\n

Usually when a car is totaled, the insurance covering it will either replace the vehicle or provide you with the cash value of the model. But if your insurance doesn\u2019t stretch this far, or you don\u2019t like the payout options, you\u2019re free to invest in a new car yourself.\u00a0<\/span><\/p>\n

Do it right though. Start with a site like <\/span>edmunds<\/span><\/a> to compare the best options for you, front and center. It\u2019s best to make an informed decision at all times, and if one car has already been totaled, you don\u2019t want to risk anything with the second!\u00a0<\/span><\/p>\n

If your car has been totaled, don\u2019t panic. Let the insurance handle things, make your choice when the report comes through, and then think about getting a new vehicle. You may have to walk for some time, but it won\u2019t be a disaster!<\/span><\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

A totaled vehicle is a disaster. It can impact your physical wellness, your financial wellness, and your sense of independence in the modern world.<\/p>\n","protected":false},"author":11,"featured_media":37235,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1916],"tags":[],"class_list":["post-37234","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education"],"yoast_head":"\nHow to get back on your feet after your car is totaled - BoredMom<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to get back on your feet after your car is totaled - BoredMom\" \/>\n<meta property=\"og:description\" content=\"A totaled vehicle is a disaster. 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