* Extent of Saltwater Intrusion: How much of the car was submerged? Did saltwater reach the engine, electrical systems, interior, or just the undercarriage? The deeper and more pervasive the intrusion, the more likely it's totaled.
* Cost of Repair vs. Vehicle Value: This is the primary factor. If the cost to properly repair the saltwater damage (including labor, parts, and potentially specialized cleaning and restoration) exceeds the car's pre-damage market value (considering its age, mileage, and condition), the insurance company will likely total it.
* Difficulty and Complexity of Repair: Saltwater damage can be incredibly difficult to repair comprehensively. Corrosion can be pervasive and hidden, requiring extensive dismantling and replacement of components. The difficulty and labor intensity of such repairs significantly influence the cost assessment.
* Insurance Company Policy: Each insurance company has its own internal guidelines and thresholds for determining total loss, which can vary slightly.
* Safety Concerns: Severe saltwater damage can compromise the structural integrity of the vehicle, creating safety hazards that can't be adequately addressed through repairs. This significantly increases the likelihood of being totaled.
In short, even minor saltwater intrusion might lead to totaling if the associated repair costs are prohibitive. Conversely, a deeply submerged car might *not* be totaled if it's a relatively inexpensive vehicle and the damage is limited to easily replaceable parts. The insurance adjuster will make the final call based on a detailed assessment of the damage and its associated repair costs.
