{"id":119752,"date":"2025-05-14T03:38:42","date_gmt":"2025-05-14T03:38:42","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/who-gets-the-insurance-check-when-a-car-is-totaled\/"},"modified":"2025-05-14T03:38:42","modified_gmt":"2025-05-14T03:38:42","slug":"who-gets-the-insurance-check-when-a-car-is-totaled","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/who-gets-the-insurance-check-when-a-car-is-totaled\/","title":{"rendered":"Who gets the insurance check when a car is totaled?"},"content":{"rendered":"<p>When a car is totaled in an accident, the insurance company will typically pay out the actual cash value (ACV) of the car to the policyholder. This amount is determined by the insurance company based on factors such as the car&#8217;s age, condition, and market value. The policyholder can then use this money to purchase a new vehicle or make repairs to the damaged one.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/who-gets-the-insurance-check-when-a-car-is-totaled\/#FAQs_about_who_gets_the_insurance_check_when_a_car_is_totaled\" title=\"FAQs about who gets the insurance check when a car is totaled:\">FAQs about who gets the insurance check when a car is totaled:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/who-gets-the-insurance-check-when-a-car-is-totaled\/#1_Is_the_insurance_check_always_paid_to_the_policyholder\" title=\"1. Is the insurance check always paid to the policyholder?\">1. Is the insurance check always paid to the policyholder?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/who-gets-the-insurance-check-when-a-car-is-totaled\/#2_What_happens_if_there_is_a_lienholder_on_the_car\" title=\"2. What happens if there is a lienholder on the car?\">2. What happens if there is a lienholder on the car?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/who-gets-the-insurance-check-when-a-car-is-totaled\/#3_Can_the_policyholder_choose_to_keep_the_totaled_car_instead_of_accepting_the_insurance_check\" title=\"3. Can the policyholder choose to keep the totaled car instead of accepting the insurance check?\">3. Can the policyholder choose to keep the totaled car instead of accepting the insurance check?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/who-gets-the-insurance-check-when-a-car-is-totaled\/#4_What_is_salvage_value\" title=\"4. What is salvage value?\">4. What is salvage value?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/who-gets-the-insurance-check-when-a-car-is-totaled\/#5_Can_the_policyholder_negotiate_the_ACV_payout_with_the_insurance_company\" title=\"5. Can the policyholder negotiate the ACV payout with the insurance company?\">5. Can the policyholder negotiate the ACV payout with the insurance company?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/who-gets-the-insurance-check-when-a-car-is-totaled\/#6_What_happens_if_the_ACV_payout_is_less_than_what_the_policyholder_owes_on_the_car_loan\" title=\"6. What happens if the ACV payout is less than what the policyholder owes on the car loan?\">6. What happens if the ACV payout is less than what the policyholder owes on the car loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/who-gets-the-insurance-check-when-a-car-is-totaled\/#7_Does_insurance_always_cover_the_full_cost_of_a_totaled_car\" title=\"7. Does insurance always cover the full cost of a totaled car?\">7. Does insurance always cover the full cost of a totaled car?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/who-gets-the-insurance-check-when-a-car-is-totaled\/#8_How_is_the_ACV_of_a_car_determined_by_the_insurance_company\" title=\"8. How is the ACV of a car determined by the insurance company?\">8. How is the ACV of a car determined by the insurance company?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/who-gets-the-insurance-check-when-a-car-is-totaled\/#9_What_happens_to_the_title_of_a_totaled_car\" title=\"9. What happens to the title of a totaled car?\">9. What happens to the title of a totaled car?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/who-gets-the-insurance-check-when-a-car-is-totaled\/#10_Can_the_policyholder_appeal_the_insurance_companys_determination_of_a_totaled_car\" title=\"10. Can the policyholder appeal the insurance company&#8217;s determination of a totaled car?\">10. Can the policyholder appeal the insurance company&#8217;s determination of a totaled car?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/who-gets-the-insurance-check-when-a-car-is-totaled\/#11_What_should_the_policyholder_do_with_the_insurance_check_for_a_totaled_car\" title=\"11. What should the policyholder do with the insurance check for a totaled car?\">11. What should the policyholder do with the insurance check for a totaled car?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/who-gets-the-insurance-check-when-a-car-is-totaled\/#12_How_long_does_it_take_to_receive_the_insurance_check_for_a_totaled_car\" title=\"12. How long does it take to receive the insurance check for a totaled car?\">12. How long does it take to receive the insurance check for a totaled car?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"FAQs_about_who_gets_the_insurance_check_when_a_car_is_totaled\"><\/span>FAQs about who gets the insurance check when a car is totaled:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_Is_the_insurance_check_always_paid_to_the_policyholder\"><\/span>1. Is the insurance check always paid to the policyholder?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn most cases, yes. The insurance check is typically made payable to the policyholder unless there is a lienholder on the vehicle.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_What_happens_if_there_is_a_lienholder_on_the_car\"><\/span>2. What happens if there is a lienholder on the car?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf there is a lienholder (such as a bank or finance company) on the car, the insurance check will be made payable to both the policyholder and the lienholder. The policyholder will need to settle any outstanding loans on the vehicle before receiving any remaining funds.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Can_the_policyholder_choose_to_keep_the_totaled_car_instead_of_accepting_the_insurance_check\"><\/span>3. Can the policyholder choose to keep the totaled car instead of accepting the insurance check?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, the policyholder can choose to retain the totaled car if they wish. In this case, the insurance company will deduct the salvage value of the car from the ACV payout.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_is_salvage_value\"><\/span>4. What is salvage value?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nSalvage value is the estimated value of a damaged car in its current condition. The insurance company will deduct this amount from the ACV payout if the policyholder chooses to keep the car.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_the_policyholder_negotiate_the_ACV_payout_with_the_insurance_company\"><\/span>5. Can the policyholder negotiate the ACV payout with the insurance company?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, the policyholder can try to negotiate the ACV payout with the insurance company if they feel that the initial offer is too low. Providing evidence of the car&#8217;s market value or condition may help in the negotiation process.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_What_happens_if_the_ACV_payout_is_less_than_what_the_policyholder_owes_on_the_car_loan\"><\/span>6. What happens if the ACV payout is less than what the policyholder owes on the car loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the ACV payout is less than the remaining balance on the car loan, the policyholder will still be responsible for paying off the loan. Gap insurance may help cover the difference in this situation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Does_insurance_always_cover_the_full_cost_of_a_totaled_car\"><\/span>7. Does insurance always cover the full cost of a totaled car?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, insurance policies typically only cover the actual cash value (ACV) of the car at the time of the accident. Policyholders may need additional coverage, such as gap insurance, to cover any remaining loans or the full cost of a new vehicle.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_How_is_the_ACV_of_a_car_determined_by_the_insurance_company\"><\/span>8. How is the ACV of a car determined by the insurance company?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe insurance company will typically use factors such as the car&#8217;s age, make and model, mileage, condition, and local market value to determine the actual cash value of the vehicle.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_What_happens_to_the_title_of_a_totaled_car\"><\/span>9. What happens to the title of a totaled car?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the insurance company deems the car as totaled, they will typically take possession of the vehicle and transfer the title to salvage. The policyholder will need to surrender the title to the insurance company if they choose to retain the totaled car.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_the_policyholder_appeal_the_insurance_companys_determination_of_a_totaled_car\"><\/span>10. Can the policyholder appeal the insurance company&#8217;s determination of a totaled car?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, the policyholder can appeal the insurance company&#8217;s decision to total the car if they believe it can be repaired or its value is higher than the determined ACV. Providing evidence such as repair estimates or market value comparisons may help in the appeal process.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_What_should_the_policyholder_do_with_the_insurance_check_for_a_totaled_car\"><\/span>11. What should the policyholder do with the insurance check for a totaled car?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe policyholder can use the insurance check to purchase a new vehicle, make repairs to the damaged one, or pay off any remaining loans on the car. It is important to carefully consider all options before deciding how to use the insurance payout.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_How_long_does_it_take_to_receive_the_insurance_check_for_a_totaled_car\"><\/span>12. How long does it take to receive the insurance check for a totaled car?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe timeline for receiving the insurance check can vary depending on the insurance company&#8217;s processes and the complexity of the claim. In general, policyholders can expect to receive the ACV payout within a few weeks of the claim being settled.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When a car is totaled in an accident, the insurance company will typically pay out the actual cash value (ACV) of the car to the policyholder. This amount is determined by the insurance company based on factors such as the car&#8217;s age, condition, and market value. The policyholder can then use this money to purchase &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Who gets the insurance check when a car is totaled?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/who-gets-the-insurance-check-when-a-car-is-totaled\/#more-119752\">Read more<span class=\"screen-reader-text\">Who gets the insurance check when a car is totaled?<\/span><\/a><\/p>\n","protected":false},"author":21,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-119752","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Who gets the insurance check when a car is totaled?<\/title>\n<meta name=\"description\" content=\"When a car is totaled in an accident, the insurance company will typically pay out the actual cash value (ACV) of the car to the policyholder. 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