Appraisal clause
Minnesota auto policies include the binding appraisal clause under Minn. Stat. §72A.201.
Sales tax & fees
Insurers must include the 6.5% MVST and title fees in the settlement.
Salvage & title rules
Damage at 80% or more of ACV triggers a salvage title in Minnesota.
Diminished value
Minnesota recognizes DV claims in some third-party contexts.
How we help in Minnesota
We pull genuine Minnesota comparables within the local market, document trim and option packages, apply Minnesota-specific tax and fee rules, and rebut every condition adjustment line by line.
Recent Minnesota case result
De-identified outcome from a Minnesota appraisal we handled. Settlement ranges reflect actual recoveries.
A Minneapolis 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 Minnesota market. Our appraiser rebuilt the comp set using genuine Minnesota dealer inventory, corrected trim and option coding, and removed the unsupported condition deductions. Final settlement after appraisal: $22,950 — a +$4,550 increase, plus Minnesota sales tax and title fees paid on top.
Minnesota DMV & official resources
Official links for title transfers, salvage branding, and registration after a total loss.
- Minnesota DVS
- Minnesota DOI complaint line1-651-539-1600
External links open in a new tab. Minnesota title/salvage procedures change occasionally — verify on the official DMV site before filing.
Minnesota total loss — frequently asked questions
Browse Minnesota guides by insurer
Each carrier handles Minnesota valuations differently. Pick yours for a tailored playbook.
- GEICO in Minnesota
- State Farm in Minnesota
- Progressive in Minnesota
- Allstate in Minnesota
- USAA in Minnesota
- Liberty Mutual in Minnesota
- Farmers in Minnesota
- Foremost Signature in Minnesota
- Kemper in Minnesota
- Travelers in Minnesota
- Bristol West in Minnesota
- Lemonade in Minnesota
- Mercury in Minnesota
- Safety Co in Minnesota
- Toogle in Minnesota
- AAA in Minnesota
- Tesla Insurance in Minnesota
- National General in Minnesota
- Root Insurance in Minnesota
- Chubb in Minnesota