Both professional and personal experience suggest that it now takes surprisingly little damage for an insurer to total a modern car. That outcome means diminished value and often the hassle of shopping for a replacement, leaving many consumers worse off.
The complexity and cost of repairing today’s technology-laden vehicles drive this trend. Sensors, cameras, and intricate electronics make even minor collisions expensive to fix, pushing insurers to declare cars a total loss far sooner than in the past.


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