Lilah Butler, Car Insurance Writer
@lilah_c
Yes, a fender bender can total a car. A car is considered totaled when the cost to repair it is higher than the actual cash value of the car, which can be calculated by subtracting the vehicle’s depreciation from its original price. Basically the actual cash value of your car lets you know how much your car is worth after taking into account factors such as age, mileage, and cosmetic damage.
Although fender benders are usually considered small accidents, they can cause serious damage to your car. If you have an older vehicle model and a mechanic assesses the cost of repairs as being higher or equal to the actual cash value of the car, then your car will be declared a total loss by your insurance.
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