Generally, comprehensive insurance covers damages caused by events other than collisions, such as theft, vandalism, and natural disasters, while collision insurance covers damages resulting from accidents.
If your car is totaled, your insurance company will likely pay you the actual cash value (ACV) of your car, which is the market value of the car before the accident, minus depreciation and any applicable deductible. If you have gap insurance, it will cover the difference between the ACV of your car and the amount you still owe on your car loan.
It's important to note that the insurance company will determine the cause of the accident and may deny coverage if the accident was caused by intentional damage, driving under the influence of alcohol or drugs, or other excluded circumstances.
Overall, whether your insurance company will pay for a wrecked car depends on the type of insurance you have and the details of the accident. It's recommended that you contact your insurance company as soon as possible after an accident to discuss your coverage and make a claim.
