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Auto Insurance Claims - Total Loss

My car is a write-off. What now?

Dealing with an accident that damages your car beyond repair can be very stressful. Let us guide you through the claims process and help you better understand your situation. Here are the steps to follow if your car can't be fixed:

Step 1
Step 1:

What it means when your car can't be fixed

Your car is considered non-repairable if one of the following applies:

  • The damage is so extensive that it can’t be repaired
  • The cost of repairs will exceed the value of your car
  • Your car was stolen and hasn’t been found
Step 2
Step 2:

Contact us to provide additional information

If your car has been declared a total loss, please provide us with all receipts of work done over the last 6 months. This will help us determine the value of your car.

Keep in mind that regular maintenance does not increase the car's value.

Step 3
Step 3:

Arrange for a car rental

  • If your policy includes rental car coverage, we will help arrange for a car rental.
Step 4
Step 4:

Complete the Automobile Proof of Loss form

  • Fill out the Proof of Loss from the claims forms page and send it to by mail to your claims analyst.

You can also get a hard copy from your analyst.

Step 5
Step 5:

Provide us with your keys and vehicle ownership

Since ownership is needed to validate insurable interest, the vehicle is transferred over to us as part of the settlement process.

Step 6
Step 6:

Remove your belongings and license plate

  • Take all your personal belongings and valuables out of the car.
  • Remove the license plates from the car.
Step 7
Step 7:

Contact the storage facility (shop, pound etc)

  • You may need to contact the facility where your car was taken after the accident to authorize us to move the vehicle to a secure location.
  • At this point, we transfer your car’s ownership to TD Insurance.
Step 8
Step 8:

Determine the value of your vehicle

We will determine the actual value of your vehicle based either on fair market value, also known as actual cash value, or replacement cost, depending on policy terms. Fair market value is defined as book value (includes depreciation). Replacement cost is subject to eligibility and is an additional type of coverage that you would have purchased as part of your auto policy.

Once the value has been determined, you will be contacted and provided with final settlement details


Deductible and car repair

Once all the details of the incident have been evaluated and fault has been determined, our claims analyst will let you know if a deductible will apply. If there is a deductible, we will deduct it directly from your settlement.

Note: If you have a car rental, we will extend for 3 days after the final settlement has been made.


Please note that the scenarios above are for information purposes only and do not constitute a legal opinion on the various types of coverage discussed. Individual circumstances may affect your coverage. In case of discrepancy between the information contained herein and your policy, the policy prevails.

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