If your car is totaled after a fire, weather-related event, or collision with an animal, comprehensive car insurance coverage will pay you the value of your vehicle, minus any deductible. Comprehensive can also pay you the vehicle's value, minus your car insurance deductible , if your car is stolen and then recovered but too badly damaged to ...

If you transfer the vehicle, we dispose of your totaled car and comply with the appropriate laws or regulations. Can I get a rental car? If you’re a Progressive policyholder, and you have rental coverage on your policy, we cover the cost of a rental vehicle for up to three days (after we let you know the value of your vehicle).

Depending on the provider, you may be able to file your gap insurance claim in person, over the phone, or online. If your vehicle is stolen or totaled, and your comprehensive car insurance or auto collision coverage claim is approved, then your gap insurer will pay your lienholder what is owed under your gap insurance policy.

Often, when a vehicle is totaled or severely damaged, the insurance company may collect it to either scrap or sell at a salvage auction. In these cases, the insurance company takes care of the salvage title. However, salvage title cars may still run or be repairable and can be an option if you're looking to buy a car as inexpensively as possible.

Salvage title cars are typically totaled vehicles that have been declared a total loss, which means the cost to repair the vehicle is so high that it's more cost-effective to replace the vehicle instead. If you own a vehicle with a salvage title, the only way to get it back on the road is to rebuild it.

If your motorcycle is totaled and covered by your motorcycle insurance policy or another motorist's liability coverage, you may receive payment for the actual cash value of the bike. 4 min to read Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.

Example: Your vehicle is worth $12,000 and is totaled in an accident, but you owe $14,000 on your loan. Your collision coverage pays out $12,000 (minus your deductible), while your loan/lease coverage pays out the $2,000 difference to help cover your remaining loan balance.

Learn more about what happens when your car is totaled. If the total loss payment is less than what you owe on the lease, you'll need to pay the difference unless you have gap insurance. If the insurance payout is more than what you owe to the leasing …

If the vehicle is totaled, your insurer would pay you $25,000 (minus your deductible). Without gap insurance, you'd only receive $20,000 (minus your deductible). Keep in mind, to qualify for gap insurance, you must have comprehensive and collision coverage on your policy.

If your car is stolen, you should file a claim with your insurance company. As long as you have comprehensive coverage, vehicle theft should be covered.