Total Loss Rules by State

When an insurance company declares a vehicle a total loss, the decision is based on state specific laws and regulations. These rules determine how value is calculated, when a vehicle must be totaled, and how settlement offers are presented to the vehicle owner.

Many drivers assume a total loss decision is final. In reality, most states give consumers important rights that affect valuation, deductions, comparable vehicles, salvage retention, and dispute options.

Select your state below to learn how total loss claims are handled where your accident occurred and what rights you have before accepting a settlement.

If your vehicle was declared a total loss and the settlement amount feels wrong, EstiVerify can analyze the valuation, comparable vehicles, deductions, and calculation method used by the insurer.

Many total loss offers leave thousands of dollars unpaid. A review can help identify what was missed before you accept the settlement.