If a tree falls on your car, it is not automatically considered totaled; rather, it is processed as a comprehensive insurance claim. An insurance adjuster will inspect the vehicle to calculate the total cost of structural and mechanical repairs. A car is officially declared totaled (a total loss) only if the estimated cost of repairs exceeds a specific state or provincial threshold percentage of the vehicle's pre-loss actual cash value, which typically ranges between 70 and 80 percent. If repair costs fall below that threshold, the insurance company will pay to restore the vehicle.
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