The rating of a main breaker panel has no direct relationship to the "cumulative total" of the ratings of its installed breakers. Any such notional direct relationship or "limit" is totally immaterial and misleading and could be the cause of serious misunderstandings about the way a breaker panel can be fitted with circuit breakers Put in very simple terms, because the branch circuits in an installation are unlikely all to be fully loaded during any period of time, the wiring codes and regulations allow the total number of breaker-amps to exceed the maximum total rated amps of the breaker box, but how to decide how much that excess can be is something professional electrical engineers and licensed electricians learn how to calculate and assess as part of their detailed professional training For more information see the answer to the Related Question shown below The maximum total amperage that can flow from the panel's main breaker to all the individual breakers at any time is limited to the rating of the panel's main breaker. This question mentions that the main breaker is rated at 200 amps.
Any amperage over that will trip the main breaker thereby protecting the service supply conductors As always, if you are in doubt about what to do, the best advice anyone should give you is to call a licensed electrician to advise what work is needed Before you do any work yourself on electrical circuits, equipment or appliances always use a test meter to ensure the circuit is, in fact, de-energized IF YOU ARE NOT ALREADY SURE YOU CAN DO THIS JOB SAFELY AND COMPETENTLY REFER THIS WORK TO QUALIFIED PROFESSIONALS.
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