I was in an accident and my car is being considered a total loss. In PA can I fight to have it fixed?
by 
rach
ANSWERS: 2
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Your car is considered a total loss by your insurance company. If you agree, they will pay you the current book value of the car minus deductible. Your insurance company also has to give you an opportunity to fix your car up. I can't exactly say how they should go about this but you can find it out if you ask them directly.
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no, a car in PA is considered totaled if the damage is 80% of the book value, because there is always 'supplemental' damage. (like when they pull a fender and find that the engine need to be replaced) there is always unseen damage in moderate to severe collisions, this is the reason for the 80% rule. You don't have many options, if you take the payout then the ins company owns your car, so you can't fix it yourself. The only way to keep your car is to eat all of the cost.
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