car insurance edmunds

What is considered “totaled” for a leased car?
I was in a 5 car accident last night, my car being in the middle.
I was wondering how the insurance company decides if my car will be totaled or fixed. The damage is to the front and back. It is a lease. I am in NJ.
Will there be a problem at the end of the lease if it’s not totaled, since it as been in 2 accidents? I assume it can be fixed but it will probable cost a lot.
Does the insurance company prefer to total a leased car more than a financed/owned car? Is there a special formula they use to calculate a leased car value?
I looked on KBB and Edmunds, and I am not sure what to put for condition. Does the insurance company go by the current poor condition or what condition it will be in once it is fixed?
Thanks.
If the cost to fix the car is greater than the bluebook value of the car, then it’s considered totaled.
No matter what exactly are we planning to buy, all of us have a tendency to discover the cheapest possible solution for our requirements. So, the very same applies to purchase Automobile Insurance.



