Claims Help

Total Loss Claims

If your vehicle is damaged so badly it can't be repaired, State Farm will help you throughout the total loss claim process.

Start a Claim

Check the status of a claim

Go to the Claims Center

Is My Vehicle a Total Loss?

State Farm will assess the damage to your vehicle (including additional damage that isn't immediately visible) and determine whether or not your vehicle can be repaired.

Your vehicle may be a total loss if any of these criteria apply:

  • The estimated cost of repairs exceeds the vehicle's Actual Cash Value.
  • It is not economical to repair the vehicle.
  • State regulations regarding severity of damage require a total loss declaration.

How Does State Farm Determine the Value of My Car?

  • State Farm will pay the "actual cash value" of your vehicle less the deductible and dispose of the vehicle.
  • Your vehicle's value is based on its year, make, model, mileage, overall condition, and major options.

What Happens Next?

Your claim associate will advise whether your vehicle can be repaired or if it's a total loss.  Our Claim personnel will guide you through the claim process and explain next steps.  If your vehicle is determined to be a total loss, there are some steps you can take to speed up the process:

  • Collect personal items and paperwork from the vehicle. If instructed by State Farm, remove your license plates.  
  • Leave your keys with the vehicle and if possible leave any additional sets of keys with the vehicle.
  • Consider deleting or removing any electronic storage of personal information in the vehicle navigation or phone system.
  • If rental coverage is available for your loss, we'll let you know how long you can have a rental vehicle.

What About the Paperwork?

  • Locate your vehicle title.
  • Contact your lienholder/leaseholder, if applicable, and give them permission to discuss the claim with us, and ask for a 10 day payoff.
  • We can exchange ownership documentation based on the options available in your area.
  • If State Farm takes possession of your vehicle, we will work with you to transfer the title to State Farm.
  • After the title is transferred and you've returned your rental vehicle, you can remove your total loss vehicle from your insurance policy.

When Will State Farm Pay My Claim?

  • Once we have all the required documentation, State Farm will issue payment to the vehicle owner(s) and lienholders.