Is My Car Totaled? How New Jersey Insurers Decide in 2026, and When It's Worth Fixing
In New Jersey a car is a total loss when the repair costs as much as the car was worth the day of the crash. Many insurers call it at about 80%. Here is how the math works, what the state says you are owed, the 30-day rules most drivers never hear about, and when a second repair estimate changes the answer.