Total Loss Thresholds

Important Information:

Each state has its own governing regulations and rules. Check with your insurance company to see how this would be handled if you have a damaged vehicle in these states. Note: Most insurers who are free to make the determination that a car is a total loss use the 70% rule. So, in the states where they defer to the insurance company, you should expect the limit to be approximately 70%, but this is not guaranteed and your insurance carrier can provide you with the correct information. In states where thresholds for a salvage title are specified, insurance companies will use the mandated limit in that state.

Clean Title / Clear Title / Good Title

A clean title, also known as a clear title, or good title, designates no salvage title has ever been issued for a vehicle in any state. If there is damage to a vehicle and the amount of damage is under a specific percentage, some states issue a clean title to insurance companies. Contact your insurance company to inquire if clean titles in their name are accepted.

*Contact your local Department of Motor Vehicles for specific rules and regulations.

Salvage Title

A vehicle is assigned a salvage title when it has been affirmed a total loss from vandalism, fire, theft, collision, or flood. The salvaged vehicle will not be registered or driven legally until it has a reconstructed titled issued.

*Contact your local Department of Motor Vehicles for specific rules and regulations.

Each State Total Loss Thresholds

State

% Total Loss Threshold

Comments/Source

Alabama

75%

2009 Alabama Code; Section 32-8-87; Part D

Alaska

Insurer Determines

Title affixed with junked code (J) following total loss determination.

Arizona

Insurer Determines

2010 Arizona Code; 28-2091

Arkansas

70%

2007 Arkansas Code; Amended Rule 2007-8; Part 1 N

California

Insurer Determines

Insurance company files for Salvage Certificate.

Colorado

100%

Colorado Revised Statute 42-6-102 [1]

Connecticut

Insurer Determines

Connecticut General Statute Section 38a-353

Delaware

Insurer Determines

Delaware DMV

Florida

80%

2010 Florida Code; Title 23; 319.30 (3)(a)1.b.

Georgia

Insurer Determines

2010 Georgia Code; 40-3-2 Paragraph 11

Hawaii

Insurer Determines

Hawaii code; 286-48

Idaho

Insurer Determines

2010 Idaho Code; Title 49; 49-123-2r

Illinois

Insurer Determines

2010 Illinois Code; 625 Chapt 3

Indiana

70%

2010 Indiana Code; 9-22-3-3

Iowa

50%

2009 Iowa code; 321.52  paragraph 4d

Kansas

75%

2011 Kansas code;  8-197 2(B)

Kentucky

75%

2009 Kentucky code; 186A.520 paragraph 1a

Louisiana

75%

2009 Louisiana code; Title 32:702 paragraph 13

Maine

Insurer Determines

2009 Maine Code 29A-667

Maryland

75%

2010 Maryland Code; Title 11; Subtitle 1; Section 11-152

Massachusetts

Insurer Determines

2009 Massachusetts code; Part 1; Title 14; 90D Sec. 1

Michigan

75%

2006 Michigan code; 257.217c Paragraph 2  

Minnesota

70%

2010 Minnesota code; 168A.151  (c)

Mississippi

Insurer Determines

2010 Mississippi code; 63-21-33

Missouri

80%

2009 Missouri code; 301.010 Paragraph 52a

Montana

Insurer Determines

2009 Montana code; 61-3-211

Nebraska

75%

2009 Nebraska code; 60-171 (6)

Nevada

65%

2010 Nevada code; 487.790

New Hampshire

75%

2009 New Hampshire code;  261:22  VI

New Jersey

Insurer Determines

New Jersey DMV

New Mexico

Insurer Determines

2006 New Mexico code; 66-1-4.16 C

New York

75%

New York DMV

North Carolina

75%

2009 North Carolina code; 20-71.3

North Dakota

75%

2009 North Dakota code; 39-05-20.2

Ohio

Insurer Determines

2010 Ohio code; 4505.11(C)(1)

Oklahoma

60%

2010 Oklahoma Code; Title 47; Chapter 74; Section 1111

Oregon

80%

2009 Oregon code; Volume 17; 801.527

Pennsylvania

Insurer Determines

2010 Pennsylvania Code; Title 75; Chap. 11; Sec. 1161 (a)

Rhode Island

Insurer Determines

Rhode Island DMV

South Carolina

75%

South Carolina code; 56-19-480 G

South Dakota

Insurer Determines

South Dakota code; 32-3-51.19

Tennessee

75%

2010 Tennessee code; 55-3-211 para. 8a

Texas

100%

Texas code ; 501.091 paragraph 15 [1]

Utah

Insurer Determines

2010 Utah code; 41-1a-1005

Vermont

Insurer Determines

2009 Vermont code; 23-21-2001 para. 14

Virginia

75%

2010 Virginia code; 46.2-1603 Para. D

Washington

Insurer Determines

Washington code; RCW 46.04.514

West Virginia

75%

2010 West Virginia code; 17A-4-10(a)

Wisconsin

70%

2011 Wisconsin code; 342.065(1)(c)

Wyoming

75%

2010 Wyoming code; 31-2-106(a)(5)

As of February 2/28/2019, Texas and Colorado are the only states that specify the limit at 100%.

*Contact your local Department of Motor Vehicles for current rules and regulations.

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