Appraisal clause
Maryland auto policies include the binding appraisal clause.
Sales tax & fees
Insurers must include the 6% vehicle excise tax and title fees in the settlement.
Salvage & title rules
Damage at 75% or more of ACV requires a salvage title in Maryland.
Diminished value
Maryland permits third-party DV; first-party limited.
How we help in Maryland
We pull genuine Maryland comparables within the local market, document trim and option packages, apply Maryland-specific tax and fee rules, and rebut every condition adjustment line by line.
Recent Maryland case result
De-identified outcome from a Maryland appraisal we handled. Settlement ranges reflect actual recoveries.
A Baltimore driver's 2020 Toyota RAV4 XLE was declared a total loss after a multi-vehicle collision. The carrier's CCC ONE valuation came in at $18,400, with three "fair" condition adjustments and two comps pulled from outside the Maryland market. Our appraiser rebuilt the comp set using genuine Maryland dealer inventory, corrected trim and option coding, and removed the unsupported condition deductions. Final settlement after appraisal: $22,950 — a +$4,550 increase, plus Maryland sales tax and title fees paid on top.
Maryland DMV & official resources
Official links for title transfers, salvage branding, and registration after a total loss.
- Maryland MVA
- Maryland DOI complaint line1-800-492-6116
External links open in a new tab. Maryland title/salvage procedures change occasionally — verify on the official DMV site before filing.
Maryland total loss — frequently asked questions
Browse Maryland guides by insurer
Each carrier handles Maryland valuations differently. Pick yours for a tailored playbook.
- GEICO in Maryland
- State Farm in Maryland
- Progressive in Maryland
- Allstate in Maryland
- USAA in Maryland
- Liberty Mutual in Maryland
- Farmers in Maryland
- Foremost Signature in Maryland
- Kemper in Maryland
- Travelers in Maryland
- Bristol West in Maryland
- Lemonade in Maryland
- Mercury in Maryland
- Safety Co in Maryland
- Toogle in Maryland
- AAA in Maryland
- Tesla Insurance in Maryland
- National General in Maryland
- Root Insurance in Maryland
- Chubb in Maryland