What is typically included when determining the "totaled" status of a vehicle?

When assessing whether a vehicle is considered "totaled," one of the primary factors is whether the cost to repair the vehicle is greater than its current market value. If the repair costs surpass what the vehicle would sell for in its pre-accident condition, insurance companies typically classify it as a total loss. This is often done to determine if it's more economical to pay out the insured amount rather than to invest in repairs that exceed the vehicle's value.

The other options, while related to vehicle status or insurance, do not directly contribute to the assessment of whether a vehicle is totaled. Time-related factors, such as a vehicle being missing or an insurance policy being lapsed, do not influence the repair cost versus market value evaluation, nor does a history of claims.