Fidelio Frazier

Question: How much does insurance usually pay off if your car is deemed totaled?

Ok, so, my car incurred some damage due to the recent flood waters of hurricane Ike. A person from Safe Auto insurance company is coming out tomorrow to assess the damage. When we spoke to him over the phone, he said it sounded like our car would end up being deemed totaled. There is still amount owed on the car. If we were to pay it off tomorrow it would be $3100. The value on the car varies from tprivate party value in good condition being $3900 to retail value being $5600 in our area. We have a $500 deductible. Now, if the car is infact totaled, how does the insurance pay out?

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