When is a vehicle considered "totaled?"

These considerations vary from state-to-state, but to give you an idea, here is a basic rundown in Autoloss.com's home state of Oregon (ORS 801.527):

• A vehicle that is declared a Total Loss by an insurer who is obligated to cover the loss. Also, a vehicle that the insurer takes possession of or title to.
• A vehicle that has sustained damage that is not covered by an insurer and the estimated cost to repair the vehicle is equal to at least 80% of the retail market value prior to the damage. "Retail market value" is defined as the amount shown in publications used by financial institutions (eg. banks, lenders) in this state.
• A vehicle that is stolen, if it is not recovered within 30 days of theft and the loss is not covered by an insurer. In this situation, you must notify DMV within 60 days of the theft.