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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.

File a Claim

Manage Your Claim