According to the Florida Department of Financial Services (FLDFS), the insurance regulator for Florida, if your vehicle is damaged 80 percent or more of the value of your vehicle, then the insurance company must total the vehicle. Some insurance companies may though decide to total a vehicle when the damage (and fees associated with the damaged vehicle such as towing charges, storage fees, etc) is less than 80% of the actual cash value.

If your car is damaged so that repairs add up to eighty percent or more of its worth than an insurance company should total it out. Insurance companies though are free to find a car a total loss when the costs of repairs are less than 80 percent of the worth of the car. Insurers typically will total out a vehicle when the repair amount is anywhere from 51% to 80% and they also will calculate if it is economical to repair a car with associated costs included such as a rental car for you, storage fees, etc.

If you car has been in an accident and you are trying to find out if it will be found a total loss than discuss with the claims adjuster on your case at what percentage of the car's worth they typically find a car a total loss.