Appraisal clause
Missouri auto policies include the binding appraisal clause under 20 CSR 100-1.
Sales tax & fees
Insurers must include state and local sales tax plus title fees in the settlement.
Salvage & title rules
Damage at 80% or more of ACV requires a salvage title in Missouri.
Diminished value
Missouri courts have allowed first-party DV in limited cases.
How we help in Missouri
We pull genuine Missouri comparables within the local market, document trim and option packages, apply Missouri-specific tax and fee rules, and rebut every condition adjustment line by line.
Recent Missouri case result
De-identified outcome from a Missouri appraisal we handled. Settlement ranges reflect actual recoveries.
A St. Louis 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 Missouri market. Our appraiser rebuilt the comp set using genuine Missouri dealer inventory, corrected trim and option coding, and removed the unsupported condition deductions. Final settlement after appraisal: $22,950 — a +$4,550 increase, plus Missouri sales tax and title fees paid on top.
Missouri DMV & official resources
Official links for title transfers, salvage branding, and registration after a total loss.
- Missouri DOR Motor Vehicle
- Missouri DOI complaint line1-800-726-7390
External links open in a new tab. Missouri title/salvage procedures change occasionally — verify on the official DMV site before filing.
Missouri total loss — frequently asked questions
Browse Missouri guides by insurer
Each carrier handles Missouri valuations differently. Pick yours for a tailored playbook.
- GEICO in Missouri
- State Farm in Missouri
- Progressive in Missouri
- Allstate in Missouri
- USAA in Missouri
- Liberty Mutual in Missouri
- Farmers in Missouri
- Foremost Signature in Missouri
- Kemper in Missouri
- Travelers in Missouri
- Bristol West in Missouri
- Lemonade in Missouri
- Mercury in Missouri
- Safety Co in Missouri
- Toogle in Missouri
- AAA in Missouri
- Tesla Insurance in Missouri
- National General in Missouri
- Root Insurance in Missouri
- Chubb in Missouri