How Much Does Car Insurance Give For A Totaled Car? 
When it is determined that the cost to repair a car is greater than the value of the car the adjuster contacts the owner and tells them of the decision . At that time the adjuster will make an offer for the car based upon current market conditions , minus the deductible if applicable . The insured can either accept or decline the offer . A settlement means that the company and the policyholder agree on the amount . The title to the car transfers to the insurance company . 