A model for total cross sections with virtual photons is presented. In particular γ*p and γ*γ* cross sections are considered. Our approach extends on a model for photoproduction, where the total cross section is subdivided into three distinct event classes: direct, VMD and anomalous. With increasing photon virtuality, the latter two decrease in importance. Instead Deep Inelastic Scattering dominates, with the direct class being the O(α_s) correction thereof. Hence, the model provides a smooth transition between the two regions. By the breakdown into different event classes, one may aim for a complete picture of all event properties.