I hit a deer and filed a car insurance claim to recoup some of the mostly cosmetic repair costs — but now my insurer has declared my vehicle a total loss. Can I fight this?

Fighting your insurer's decision to total your car

When your car gets totaled, the payout you get often won't be enough to replace your vehicle with another one. But you should know that you're able to appeal your insurance company's decision to total your car.

To be successful, though, you'll need to take a few steps. First, you may need to get an independent appraisal to prove that your car's value is higher than your insurer says it is. Next, you may need to go out and get estimates from different auto shops for fixing the damage. If you can make the numbers work in your favor, you may be able to get your insurer to change its mind.

For example, say your insurer determines that it will cost $4,500 to repair your car, but it's only worth $4,000. If you can get an appraisal showing your car is actually worth $5,000 and an estimate putting the cost of repairs at $3,000, you may have success.

When you decide to keep a totaled car

You can likely also negotiate to keep a car that your insurance company decides to total. In that case, the car is considered a salvage vehicle. You can still expect a payout from your insurance company, but it may be reduced because your insurer won't be able to sell your car for parts if you opt to keep it.

You should also know that if you're still paying off your car, you're on the hook for any remaining loan payments even once your insurer declares it totaled. You can, however, use your insurance payout to pay off your loan. But be aware, getting insurance for a salvage title turned rebuilt vehicle is more challenging and more expensive, so you may not be better off taking this route.