Buying insurance from a customer-friendly company is your strongest protection against hassles after an accident happens. When shopping for insurance, ask at what percentage of the vehicle’s worth a company will total a car. Some will total a car when damage exceeds 51 percent of its worth, while others will total a car when damage exceeds 80 percent of its worth. Also, ask about the company’s policies for returning a totaled car. If the company won’t return totaled cars, or decides whether to do so on a mysterious “case by case” basis, you may want to keep looking for a company that puts a higher priority on its customers’ needs.