Total Loss Claims
If an accident causes so much damage to your vehicle that it can't be repaired, it may be a total loss. We'll guide you through the claim process and help you with any questions you may have.
Is My Vehicle a Total Loss?
We'll evaluate the damage and let you know whether your vehicle can be repaired or is a total loss. (Sometimes damage isn't immediately visible.)
Total loss considerations
- The estimated cost of repairs exceeds the vehicle's Actual Cash Value.
- The vehicle can't be repaired safely.
- State regulations for damage severity require a total loss declaration.
What Happens Next?
1. Prepare your vehicle for salvage.
- Collect license plates, personal items, and any paperwork from the vehicle.
- Get all copies of keys and the title.
- Delete personal information in the vehicle navigation or phone system.
- Schedule a rental vehicle if your policy includes rental reimbursement coverage (we'll let you know how long a rental is available).
2. Transfer the title to State Farm®.
- Give your finance or leasing company permission to work with us on your claim.
- Complete required documents, including title transfer.
3. Update your State Farm insurance policy.
- After title transfer and rental vehicle return, consult with your State Farm agent to discuss your policy options.
What Is Actual Cash Value (ACV) – And Who Gets the Payment?
- We base your vehicle's value on its year, make, model, mileage, overall condition, and major options – minus your deductible and applicable state taxes and fees.
- We will provide payment to the owner, lienholder, or both.
- If you have gap insurance through your dealer or bank, that coverage may apply to money you still owe your lender.
- If you have questions about the value, consult your claim associate.