Total loss by state
Total-Loss Claims by State
When an insurer totals your car, the payout should equal its actual cash value — what a comparable vehicle really sells for. Too often the first offer comes in low. Pick your state for how to dispute it with the market and the appraisal clause.
Choose your state
- Alabama≈75% of ACV
- AlaskaTotal Loss Formula
- ArizonaTotal Loss Formula
- Arkansas≈70% of ACV
- CaliforniaTotal Loss Formula
- Colorado≈100% of ACV
- ConnecticutTotal Loss Formula
- DelawareTotal Loss Formula
- Florida≈80% of ACV
- GeorgiaTotal Loss Formula
- HawaiiTotal Loss Formula
- IdahoTotal Loss Formula
- IllinoisTotal Loss Formula
- Indiana≈70% of ACV
- Iowa≈70% of ACV
- Kansas≈75% of ACV
- Kentucky≈75% of ACV
- Louisiana≈75% of ACV
- MaineTotal Loss Formula
- Maryland≈75% of ACV
- MassachusettsTotal Loss Formula
- Michigan≈75% of ACV
- Minnesota≈70% of ACV
- MississippiTotal Loss Formula
- Missouri≈80% of ACV
- MontanaTotal Loss Formula
- Nebraska≈75% of ACV
- Nevada≈65% of ACV
- New Hampshire≈75% of ACV
- New JerseyTotal Loss Formula
- New MexicoTotal Loss Formula
- New York≈75% of ACV
- North Carolina≈75% of ACV
- North Dakota≈75% of ACV
- OhioTotal Loss Formula
- Oklahoma≈60% of ACV
- Oregon≈80% of ACV
- PennsylvaniaTotal Loss Formula
- Rhode Island≈75% of ACV
- South Carolina≈75% of ACV
- South DakotaTotal Loss Formula
- Tennessee≈75% of ACV
- Texas≈100% of ACV
- UtahTotal Loss Formula
- VermontTotal Loss Formula
- Virginia≈75% of ACV
- WashingtonTotal Loss Formula
- West Virginia≈75% of ACV
- Wisconsin≈70% of ACV
- Wyoming≈75% of ACV
- District of Columbia≈75% of ACV
General information for U.S. vehicle owners, not legal advice — insurance rules and policy terms vary by situation. Car repaired instead of totaled? See diminished value by state.