When a car is declared a total loss by an insurance company, the amount they pay can vary depending on several factors. These factors include the actual cash value of the car, the deductible amount, and the coverage limits of the policy. The actual cash value (ACV) is the fair market value of the car at the time of the accident or loss. It takes into account factors such as the car's age, mileage, condition, and any pre-existing damage. The insurance company will typically pay the ACV minus the deductible amount. The deductible is the amount the policyholder is responsible for paying before the insurance coverage kicks in. The coverage limits of the policy refer to the maximum amount the insurance company will pay for a total loss. It's important to note that insurance policies can vary, so it's best to review the specific terms and conditions of your policy to understand how the payment for a totaled car would be calculated. Additionally, some insurance policies offer optional coverage such as gap insurance, which covers the difference between the ACV and the amount owed on a car loan or lease. This can be beneficial if you owe more on your car than its ACV. Overall, the payment from an insurance company for a totaled car will depend on the specific details of the policy and the circumstances of the total loss. It's recommended to contact your insurance provider directly for more accurate and personalized information regarding your specific situation.