What happens if my car is totaled but I'm not at fault?
It can happen that your car is totaled but you are not at fault. For instance, a tornado wind can blow your car hundreds of feet away, causing the car to crash and the insurance declares it totaled. With comprehensive coverage, you can be reimbursed for the actual cash value of your car, minus your deductible.
Can I Sue my insurer for a totaled car?
This may result in an adjustment, but if the insurer is unwilling to properly value the vehicle you may need to sue them in civil court. A second issue arises when the car that was totaled was purchased with a car loan and the amount outstanding on the debt is greater than the insurer's estimated value of the car.
Can you get collision and comprehensive insurance on a totaled car?
Keep in mind that you may not be able to get collision and comprehensive insurance on a previously totaled car because it can be difficult to estimate its value. What should you do if your car is totaled and you still owe money on it? The only thing that can make a totaled car worse is a totaled car that you haven’t paid off yet.