Total Loss Threshold by State

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The Total Loss Threshold is the dollar amount or percentage of value that triggers an automobile’s being declared a total loss. This amount differs from state to state, please review the table below:

The total loss formula TLF is as follows: Cost of Repair + Salvage Value > Actual Cash Value

So, unless a percentage is established by law, insurers will use the total loss formula.

Alabama 75%
Alaska TLF
Arizona TLF
Arkansas 70%
California TLF
Colorado 100%
Connecticut TLF
Delaware TLF
Florida 80%
Georgia TLF
Hawaii TLF
Idaho TLF
Illinois TLF
Indiana 70%
Iowa 70%
Kansas 75%
Kentucky 75%
Louisiana 75%
Maine TLF
Maryland 75%
Massachusetts TLF
Michigan 75%
Minnesota 70%
Mississippi TLF
Missouri 80%
Montana TLF
Nebraska 75%
Nevada 65%
New Hampshire 75%
New Jersey TLF
New Mexico TLF
New York 75%
North Carolina 75%
North Dakota 75%
Ohio TLF
Oklahoma 60%
Oregon 80%
Pennsylvania TLF
Rhode Island TLF
South Carolina 75%
South Dakota TLF
Tennessee 75%
Texas 100%
Utah TLF
Vermont TLF
Virginia 75%
Washington TLF
West Virginia 75%
Wisconsin 70%
Wyoming 75%

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