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How Do I Get My Car Insurance Claim Cheque If the Car is Totaled?

After a car accident leading to a total loss, report to your insurer, assess damage, accept settlement, transfer ownership, and receive your insurance claim cheque for use.

  • 19 Feb 2024
  • 2 min read

Dealing with the aftermath of a car accident can be overwhelming, especially when your beloved vehicle is considered a total loss. However, it's crucial to understand the steps for smoothly obtaining your car insurance claim cheque moving forward.

Car Insurance Claim Cheque If the Car is Totaled

  1. Report the accident to your insurance company, providing them with all the details about what happened and the extent of the damage.
  2. An insurance adjuster will assess the damage to determine if it qualifies as a total loss by comparing repair costs with your car's actual cash value (ACV).
  3. If your vehicle is considered a total loss insurance, the insurance company will make a settlement offer that represents the cash value minus any deductibles you may have.
  4. After accepting the settlement offer, you may need to transfer ownership of your vehicle by signing over its title to the insurance company.
  5. Once everything is in order, the insurance company will issue you a claim cheque for the agreed-upon settlement amount. You can then encash the cheque and use the money however you want to. 

Also read:


Total loss insurance coverage gives you protection if your vehicle sustains major damage. Knowing how the total loss car insurance claim process works can give you the confidence to handle such situations effectively, ensuring you receive the compensation you deserve.

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