> The definition of 'Totaled' is when a comparable car on the used market can replace your vehicle for less than or equal to the repair costs.

Only in Texas and Colorado. Almost all states require cars to be declared a total loss before that.

The most common definitions are

1. The Total Loss Formula, which is when the value of the car is less than or equal to the repair costs plus the salvage value of the vehicle

2. 75% threshold -- which is when the repair costs are 75% of the price to replace your vehicle

https://www.carinsurance.com/Articles/total-loss-thresholds....