Knowledge Base

Expert guides and resources to help you understand vehicle valuation, insurance claims, and your rights

Disclaimer: The information in our knowledge base is for educational purposes only and does not constitute legal, financial, insurance, or professional advice. Vehicle valuations, pricing, VIN data, and insurance strategies are general guides subject to market changes, errors, and individual circumstances—consult licensed attorneys, insurance professionals, or certified appraisers before making decisions. Examples are hypothetical and do not guarantee similar results. Visit our Service Provider Directory for qualified professionals or see our Terms and Conditions for complete terms.

Topics:All State Guides Carriers Know Your Rights Contesting a Claim Vehicle Valuation

Showing 17 of 39 articles

New Jersey Total Loss Law Explained

Learn how NJ total loss law works, the 80% threshold, ACV rules, no-fault considerations, and your rights as a New Jersey driver.

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Massachusetts Total Loss Law Explained

Understand Massachusetts total loss law, ACV calculation rules, 211 CMR 74.00 protections, and how to dispute a settlement in MA.

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North Carolina Total Loss Law Explained

Understand NC total loss laws, the 75% threshold, ACV rules, and your rights as a policyholder in North Carolina.

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Texas Total Loss Law Explained

Texas sets a 100% total loss threshold, the highest in the US. Learn how insurers actually apply it, how ACV is determined, and your rights as a Texas vehicle owner.

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Washington Total Loss Law Explained

Washington's total loss rules include a unique 150-mile comparable vehicle radius and 85% market coverage requirement for databases. Learn how the TLF works and your OIC consumer rights.

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Tennessee Total Loss Law Explained

Learn how Tennessee's 75% total loss threshold works under Tenn. Code § 55-3-211, how ACV is determined using national databases, and your TDCI rights.

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Arizona Total Loss Law Explained

Arizona uses the Total Loss Formula under A.R.S. § 28-2091, requiring insurers to obtain a salvage certificate within 30 days. Learn how TLF works and your DIFI consumer rights.

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Georgia Total Loss Law Explained

Georgia uses the Total Loss Formula under O.C.G.A. Title 40, with insurers required to apply for salvage title within 30 days. Learn how TLF works and your consumer rights.

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Michigan Total Loss Law Explained

Michigan uses a 75% total loss threshold within its unique no-fault insurance system. Learn how the threshold works, how ACV is determined, and your DIFS consumer rights.

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Ohio Total Loss Law Explained

Ohio uses the Total Loss Formula and a four-path valuation system. Learn how the TLF works, how ACV is determined, and your rights under Ohio Department of Insurance regulations.

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Virginia Total Loss Law Explained

Virginia applies a 75% total loss threshold under Va. Code Title 46.2, requiring insurers to use recognized sources like NADA plus supporting evidence for ACV. Learn your BOI consumer rights.

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Pennsylvania Total Loss Law Explained

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New York Total Loss Law Explained

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Illinois Total Loss Law Explained

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Florida Total Loss: State Law Explained

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Maryland Total Loss: State Rules Explained

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California Total Loss Law Explained

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