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

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.