Auto Total Loss Threshold

Total Loss

Many states have a particular rule for what constitutes a "total loss" of an automobile. Others follow a "total loss formula (TLF)." Adjusters need to know which rule is used in their particular state. 

Contributory Negligence/Comparative Fault Laws

Auto Liability

Is your state Pure Contributory, Pure Comparative, Modified, or is there a slight/gross negligence? What's the bar for recovery? This is a list of the fault laws for all the states. 

Diminution In Value

Auto Valuation

When a vehicle has been in an accident, the damages can impact the overall value resulting in the auto's value being less than it was before, or diminished. This chart discusses first- and third-party claims. 

Med Pay Made Whole States

Medical/Subrogation

A list of No Fault coverage per state. Medical Payments usually pays for the insured and passengers' injuries. This also has the Made Whole doctrine and Statute of Limitations. Overall a great page to bookmark.  

No Pay/No Play States

Auto Liability

States mandate insurance in an attempt to keep premiums affordable for everyone. Some have passed No Pay/No Play laws which limit the amount of compensation for those who do not carry insurance on their vehicles

PIP Made Whole States

Medical/Subrogation

A list of No Fault coverage per state. Personal Injury Protection usually pays for the insured and passengers' medical invoices and lost wages. This also has the Made Whole doctrine and Statute of Limitations. Overall a great page to bookmark.  

Sales Tax for Total Loss

Total Loss

When a car is a total loss, the insurer must put the claimant back to a pre-loss condition. This will include sales tax on the new car, but not all carriers pay sales tax up front. This chart has first- and third-party claimant information