Appraisal clause
Kentucky auto policies include the standard appraisal clause.
Sales tax & fees
Insurers must include the 6% Motor Vehicle Usage Tax and title fees in the settlement.
Salvage & title rules
Damage at 75% or more of ACV requires a salvage title in Kentucky.
Diminished value
Kentucky generally permits third-party DV claims.
How we help in Kentucky
We pull genuine Kentucky comparables within the local market, document trim and option packages, apply Kentucky-specific tax and fee rules, and rebut every condition adjustment line by line.
Recent Kentucky case result
De-identified outcome from a Kentucky appraisal we handled. Settlement ranges reflect actual recoveries.
A Lexington driver's 2017 Jeep Grand Cherokee Limited was declared a total loss after a multi-vehicle collision. The carrier's CCC ONE valuation came in at $14,100, with three "fair" condition adjustments and two comps pulled from outside the Kentucky market. Our appraiser rebuilt the comp set using genuine Kentucky dealer inventory, corrected trim and option coding, and removed the unsupported condition deductions. Final settlement after appraisal: $17,950 — a +$3,850 increase, plus Kentucky sales tax and title fees paid on top.
Kentucky DMV & official resources
Official links for title transfers, salvage branding, and registration after a total loss.
- Kentucky Transportation Cabinet
- Kentucky DOI complaint line1-800-595-6053
External links open in a new tab. Kentucky title/salvage procedures change occasionally — verify on the official DMV site before filing.
Kentucky total loss — frequently asked questions
Browse Kentucky guides by insurer
Each carrier handles Kentucky valuations differently. Pick yours for a tailored playbook.
- GEICO in Kentucky
- State Farm in Kentucky
- Progressive in Kentucky
- Allstate in Kentucky
- USAA in Kentucky
- Liberty Mutual in Kentucky
- Farmers in Kentucky
- Foremost Signature in Kentucky
- Kemper in Kentucky
- Travelers in Kentucky
- Bristol West in Kentucky
- Lemonade in Kentucky
- Mercury in Kentucky
- Safety Co in Kentucky
- Toogle in Kentucky
- AAA in Kentucky
- Tesla Insurance in Kentucky
- National General in Kentucky
- Root Insurance in Kentucky
- Chubb in Kentucky