 TITLE: What Happens if Your Car Is Totaled? CONTENT: Check Your Credit\n-----------------\nAn auto insurance claim stemming from an accident that totals your car can affect your insurance premium. But it shouldn't affect your credit as long as your auto loan is paid off one way or another. Work closely with your insurer and your lender, and stay on top of your credit. Get a free copy of your credit report from all three credit bureaus at AnnualCreditReport.com. You can also review your credit report for free through Experian, and sign up for free credit monitoring while you're at it. If you plan to finance another vehicle to replace the one you've just lost, getting your credit scores in great shape can help you secure a better loan offer. END