Lilah Butler, Car Insurance Writer
@lilah_c
Yes, you have to make an insurance payment for a totaled car, if you want to keep your insurance policy and are considering buying a new car. If you plan on cancelling your insurance policy and not getting a new vehicle, then there's no need to make a payment. You should contact, however, your insurance company after your totaled car claim to let them know what your intentions are going forward.
Your insurance company will usually declare your car totaled if the cost of the repairs exceed the actual cash value of the vehicle. Once your car is declared a total loss, you can claim on your insurance in order to get reimbursed for the ACV of your car, minus your deductible, up to your policy limits. If however you were not at fault in the accident, then you should file a claim with the at fault party's insurance.
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