The 80% Rule.

Under a related (but, different) law that was designed to keep unsafe "repaired wrecks" off the road, a vehicle is considered a "total loss" if the cost of repairing your vehicle is more than 80% of what your vehicle was worth before the accident (because vehicles damaged that badly are dangerous to motorists and are not "road-worthy").  Florida Law #319.30 (3)(a)(2)(b). But, if your vehicle is a "total loss", the insurance company must still pay to you and/or to the finance company, if any, 100% of its value to buy your vehicle (not just 80%).