Claims Help

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.
  • Want to keep your total loss vehicle? Talk to your claim associate about state regulations that determine whether you can hold on to it.

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.

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