State claim guides
Total loss and diminished value, state by state.
Insurance rules and claim options vary by state. These guides stick to what regulators and courts have actually said — and say plainly when something depends on your policy or circumstances.
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Available guides
Choose your state.
Auto Claim Plus is based in Michigan and works with vehicle owners nationwide. More states are added as each guide is reviewed.
Michigan
Michigan Total Loss Claim Guide
Auto Claim Plus is based in Michigan. Here is how we look at a Michigan total loss valuation.
Read the guideGeorgia
Georgia Diminished Value Claims
Georgia has significant diminished value case law. Here is the plain-language context.
Read the guideNorth Carolina
North Carolina Total Loss & Vehicle Value
The 75% threshold, how ACV is described by the state, and what an appraiser may and may not do.
Read the guideFlorida
Florida Total Loss & Diminished Value
Documented valuations, itemized deductions, and how Florida consumer guidance frames diminished value.
Read the guideTexas
Texas Total Loss Claim Guide
Market value, depreciation and comparables — how to test a Texas total loss offer.
Read the guideThese guides are general information, not legal advice. Auto Claim Plus is not a law firm. What can be done on any individual claim depends on the facts, the coverage involved and applicable state requirements.
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