If I have two separate insurance claims to file, do they tally the two claims to determine if the car is totaled?
I hit a deer seven months ago and opted not to repair the damage ($1,200 estimate). My daughter had a wreck on the ice this morning (probably $1,000 in damage). I know if I fix it, there would be two separate deductibles, but would they combine the two estimates to determine if the car should be totaled?
The claims department will want to do whatever is the least expensive option. They will likely add the damages together to decide what to do. If it will cost them under $2,200 to total the vehicle, they likely will do that.
If you have any other questions, don't hesitate to ask.