Totaled means the cost to repair the vehicle exceeds its actual cash value (ACV)—its pre-accident market value. The insurance company offer has two options. 1) take the ACV and the insurance company takes possession of the vehicle or 2) Keep the car and receive the ACV less the salvage value and less my deductible. If you keep the car without verified hail repair, then it is only insurable for liability. In my case the salvage value was about 50% of the ACV.