Auto Loan Rates & Insurance Revenge Total Loss Claims EXPOSED! You've heard it said that an insurance company can total a car anytime they want and no matter what the damage is. Well that's not exactly true....... The practice of totaling cars to avoid dealing with certain shops is as old as time. You can call them "Constructive Total Loss" or "Revenge Total", but the math has to work. We recently broke down how adjusters have to be conscious of the financial impact their claims decisions have o