---
title: What Happens If My Car Is Declared a Total Loss After a San Diego Accident?
slug: san-diego-car-total-loss-explained
article_type: Help Article
keywords: total loss, fair market value, vehicle replacement
url: https://seriousaccidents.com/personal-injury-resources/property-damage-from-auto-accidents/
published_date: 2025-10-27T00:00:00
---

When repair estimates exceed your vehicle’s market value, the insurance company may declare it a total loss. In this case, you are entitled to receive the fair market value of the vehicle prior to the accident, which should cover buying a replacement. You also have the option to decline repairs and accept total loss payment. Understanding total loss ensures you get fair compensation for your damaged vehicle.seriousaccidents+1