If the cost of repairs is greater than the vehicle's worth, what will the insurer declare?

When the cost of repairs exceeds the vehicle’s worth, the insurer will declare it a total loss. This designation means that the insurance company has determined that it is not economically feasible to repair the vehicle, as the expenses required to restore it would surpass its actual cash value.

In this scenario, the insurer typically compensates the policyholder based on the vehicle's market value before the accident, rather than the repair costs. This process helps streamline claims handling and allows the policyholder to receive compensation that can be used toward purchasing another vehicle.

Total loss assessments are common in auto insurance and are governed by specific guidelines that vary by insurance provider.