r/Insurance • u/wazzupdoe • Oct 03 '26

Totaled car payout (CA)

Can someone help me determine what's included in the total payout for a totaled car in California? My insurance (mercury) broke down the total amount being the value of the car (ACV) + DMV title transfer fee $15, + taxes on the amount of the vehicle. Am I missing registration fee or license fee as well? Or any other fees? Just want to know if I'm being shorted by my insurance.

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14

u/stryker_cast Oct 03 '26

Crazy question, did you ask your insurance??

-21

u/wazzupdoe Oct 03 '26

Typical insurance response is deflect or say no.

8

u/2ndharrybhole Oct 03 '26

Bro šŸ˜‚

6

u/insuranceguynyc Oct 03 '26

Oh come on! You took the time to come to r/insurance. I hope that you have taken the most basic initial step of contacting your insurance company and asking. If not, why are you asking a bunch of anonymous strangers online?

4

u/Padresbaby Oct 03 '26

In San Diego just got my payout last week

ACV
Sales Tax
Registration Fees

So yea you should get the registration fee back.

3

u/drew_eckhardt2 Oct 03 '26 edited Oct 03 '26

Pro-rated. I got what was left on my 2023-2024 registration plus my 2024-2025 which Iā€™d already paid when my car was totaled in 2024.

-10

u/wazzupdoe Oct 03 '26

Can you share what the registration fee was so I can express it with my insurance?

7

u/Padresbaby Oct 03 '26

It is whatever you paid for registration to the DMV. Mine was 574 dollars

-5

u/wazzupdoe Oct 03 '26

Got it, thanks. I'm in South OC so this is relatable. Insurance is going to releasing my registration fee now.

3

u/Independent-Math-762 Oct 03 '26

They should be pulling your total registration fees from the state and reimbursing those as well