Your car may be considered a total loss if the cost to repair it after an accident exceeds the value of the car or if it meets certain other criteria set by your state.
If another driver was at fault, their property damage liability insurance should cover you.
But if you were at fault, your own policy's collision insurance should cover you—if you've purchased that optional coverage.
If you have an auto loan or are leasing a car and experience a total loss, you may be on the hook for the difference between what the insurer pays you and how much you still owe.