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When is the damage to my vehicle considered a 'Total Loss'?

Total Loss is when the damage to the vehicle is more than 75% of its IDV.

Apnainsurance.com Research Bureau

28 Nov 2007

Total Loss refers to accident damage to the vehicle where the cost of repairs amounts to more than 75 per cent of the vehicle's Insured's Declared Value (IDV) mentioned in the car insurance policy.

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