Appraisal clause
Tennessee auto policies include the standard binding appraisal clause.
Sales tax & fees
Insurers must include applicable state and local sales tax plus title fees in the settlement.
Salvage & title rules
Damage at 75% or more of ACV requires a salvage title in TN.
Diminished value
Tennessee allows DV in third-party contexts.
How we help in Tennessee
We pull genuine Tennessee comparables within the local market, document trim and option packages, apply Tennessee-specific tax and fee rules, and rebut every condition adjustment line by line.
Recent Tennessee case result
De-identified outcome from a Tennessee appraisal we handled. Settlement ranges reflect actual recoveries.
A Nashville 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 Tennessee market. Our appraiser rebuilt the comp set using genuine Tennessee dealer inventory, corrected trim and option coding, and removed the unsupported condition deductions. Final settlement after appraisal: $22,950 — a +$4,550 increase, plus Tennessee sales tax and title fees paid on top.
Tennessee DMV & official resources
Official links for title transfers, salvage branding, and registration after a total loss.
- Tennessee DOR Vehicle Services
- Tennessee DOI complaint line1-800-342-4029
External links open in a new tab. Tennessee title/salvage procedures change occasionally — verify on the official DMV site before filing.
Tennessee total loss — frequently asked questions
Browse Tennessee guides by insurer
Each carrier handles Tennessee valuations differently. Pick yours for a tailored playbook.
- GEICO in Tennessee
- State Farm in Tennessee
- Progressive in Tennessee
- Allstate in Tennessee
- USAA in Tennessee
- Liberty Mutual in Tennessee
- Farmers in Tennessee
- Foremost Signature in Tennessee
- Kemper in Tennessee
- Travelers in Tennessee
- Bristol West in Tennessee
- Lemonade in Tennessee
- Mercury in Tennessee
- Safety Co in Tennessee
- Toogle in Tennessee
- AAA in Tennessee
- Tesla Insurance in Tennessee
- National General in Tennessee
- Root Insurance in Tennessee
- Chubb in Tennessee