Appraisal clause
Illinois standard auto policies include a binding appraisal clause; 50 Ill. Adm. Code 919 governs claim handling.
Sales tax & fees
Insurers must include applicable sales tax (6.25% state + local) and title/transfer fees in the settlement.
Salvage & title rules
Illinois uses a total-loss formula; salvage certificates are required for totaled vehicles.
Diminished value
Illinois courts have rejected first-party DV claims in most cases.
How we help in Illinois
We pull genuine Illinois comparables within the local market, document trim and option packages, apply Illinois-specific tax and fee rules, and rebut every condition adjustment line by line.
Recent Illinois case result
De-identified outcome from a Illinois appraisal we handled. Settlement ranges reflect actual recoveries.
A Chicago driver's 2018 Subaru Outback Limited was declared a total loss after a multi-vehicle collision. The carrier's CCC ONE valuation came in at $15,600, with three "fair" condition adjustments and two comps pulled from outside the Illinois market. Our appraiser rebuilt the comp set using genuine Illinois dealer inventory, corrected trim and option coding, and removed the unsupported condition deductions. Final settlement after appraisal: $19,400 — a +$3,800 increase, plus Illinois sales tax and title fees paid on top.
Illinois DMV & official resources
Official links for title transfers, salvage branding, and registration after a total loss.
- Illinois Secretary of State
- Illinois DOI complaint line1-866-445-5364
External links open in a new tab. Illinois title/salvage procedures change occasionally — verify on the official DMV site before filing.
Illinois total loss — frequently asked questions
Browse Illinois guides by insurer
Each carrier handles Illinois valuations differently. Pick yours for a tailored playbook.
- GEICO in Illinois
- State Farm in Illinois
- Progressive in Illinois
- Allstate in Illinois
- USAA in Illinois
- Liberty Mutual in Illinois
- Farmers in Illinois
- Foremost Signature in Illinois
- Kemper in Illinois
- Travelers in Illinois
- Bristol West in Illinois
- Lemonade in Illinois
- Mercury in Illinois
- Safety Co in Illinois
- Toogle in Illinois
- AAA in Illinois
- Tesla Insurance in Illinois
- National General in Illinois
- Root Insurance in Illinois
- Chubb in Illinois