What does it mean when a vehicle is Totaled? November 04, 2022 17:20 Updated A vehicle is considered totaled if the repair costs are greater than the cash value of the vehicle. Blog Post: How Auto Insurance Works After an AccidentSign up for the LOOP Navigator Newsletter Related articles What is Actual Cash Value? How is it different from Replacement Cost Value? What are Medical Payments? How do I go about renewing my policy? What is Glass Coverage? A rock hit my windshield. What do I do?