How do I dispute the ACV?

Pull three local comps of similar year/mileage/trim, and consider an independent appraisal.

Insurer wants to total the car?

Total Loss vs Repair: Which Auto Claim Path? (US)

State total-loss thresholds range 60–80% of ACV. Below that, insurer repairs. You can dispute valuation and choose owner retention.

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The short answer

Each state defines a total-loss threshold (TLF) — usually 70–80% of ACV. When repair estimate exceeds it, the insurer totals the vehicle. You can: (1) dispute ACV with market comps, (2) elect owner retention and keep the car with a salvage title, (3) push for repair if under threshold. GAP insurance pays the loan balance minus ACV on financed cars.

Frequently asked

How do I dispute the ACV?: Pull three local comps of similar year/mileage/trim, and consider an independent appraisal.

Your policy is the only source of truth

Stop guessing. Check your actual policy.

Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.

Upload your policy$3 per analysis · $9 for all 4 tools · No subscription