If a car is considered total loss after an accident and the insurance company pays you for what worth do still have coverage on that vehicle if contnue to drive it?

Once a car is deemed a total loss by an insurance company, the vehicle's title is typically transferred to the insurance company, and the car's owner is compensated accordingly. In this scenario, the original insurance policy for the vehicle lapses, and the owner no longer has coverage to operate the car. Driving a totaled car without valid insurance coverage can result in legal and financial consequences if you get into an accident.

It is important to note that the definition of "total loss" varies among insurance companies and jurisdictions. In most cases, a car is considered a total loss if the cost to repair it after an accident exceeds a certain percentage of its actual cash value (ACV). The ACV is determined based on factors such as the car's make, model, age, condition, and mileage. If the estimated repair cost exceeds the threshold set by the insurance company (typically between 65% and 75% of the ACV), the vehicle will be declared a total loss.