When an insurance company decides whether they will repair a car or write it off they are only looking at two numbers. They look at the cost to repair it and the worth of the car if it was in good condition. Should the cost to repair exceed the value of the car in good condition, the car is declared a total loss and written off. Your insurance company will send you a cheque for the value of the car in good condition, minus any deductibles you may have.
