If an insurer declares a vehicle a constructive total loss, what will they NOT do?

When an insurer declares a vehicle a constructive total loss, it indicates that the cost of repair exceeds a certain threshold relative to the vehicle's value, making it uneconomical to repair. In this scenario, the insurer will not pay to have the auto repaired, as it is deemed impractical and financially unviable to do so.

In a constructive total loss situation, the involved insurance company typically takes actions that reflect the vehicle's status as irreparably damaged or not worth repairing. Instead of covering repair costs, the insurer will likely compensate the owner for the vehicle's actual cash value, which accounts for depreciation. They may also sell the salvaged parts of the vehicle to recover some costs, and in most cases, the insurer takes possession of the damaged vehicle to facilitate the salvage process. Thus, paying for repairs is not aligned with the decision-making around constructive total loss claims.