A car is considered a total loss when the cost of fixing it is more than the car is worth. If you think the insurance company is just playing games with you, you can take the car to two repair shops for estimates. You can find the fair market price for your car in an undamaged condition by going to the Kelley Blue Book. When a car is totaled, this may present a problem when you owe the bank more than the car is worth. You can pay the bank all of the proceeds from the settlement of the car damage, but the bank will still expect you to honor your obligation and continue making payments until the loan is paid off in full. If you have a sentimental attachment to the car or think you can fix it yourself good enough to make it roadworthy again, you can have the insurance company deduct from its check the salvage value of the car and you get to keep what’s left of the vehicle.