Appraisal clause
Virginia auto policies include the standard binding appraisal clause.
Sales tax & fees
Insurers must include the 4.15% MVSUT and title fees in the settlement.
Salvage & title rules
Damage at 75% or more of ACV requires a salvage title in VA.
Diminished value
Virginia permits DV claims in third-party contexts.
How we help in Virginia
We pull genuine Virginia comparables within the local market, document trim and option packages, apply Virginia-specific tax and fee rules, and rebut every condition adjustment line by line.
Recent Virginia case result
De-identified outcome from a Virginia appraisal we handled. Settlement ranges reflect actual recoveries.
A Richmond driver's 2021 Ford F-150 XLT SuperCrew was declared a total loss after a multi-vehicle collision. The carrier's CCC ONE valuation came in at $31,800, with three "fair" condition adjustments and two comps pulled from outside the Virginia market. Our appraiser rebuilt the comp set using genuine Virginia dealer inventory, corrected trim and option coding, and removed the unsupported condition deductions. Final settlement after appraisal: $37,150 — a +$5,350 increase, plus Virginia sales tax and title fees paid on top.
Virginia DMV & official resources
Official links for title transfers, salvage branding, and registration after a total loss.
- Virginia DMV
- Virginia DOI complaint line1-877-310-6560
External links open in a new tab. Virginia title/salvage procedures change occasionally — verify on the official DMV site before filing.
Virginia total loss — frequently asked questions
Browse Virginia guides by insurer
Each carrier handles Virginia valuations differently. Pick yours for a tailored playbook.
- GEICO in Virginia
- State Farm in Virginia
- Progressive in Virginia
- Allstate in Virginia
- USAA in Virginia
- Liberty Mutual in Virginia
- Farmers in Virginia
- Foremost Signature in Virginia
- Kemper in Virginia
- Travelers in Virginia
- Bristol West in Virginia
- Lemonade in Virginia
- Mercury in Virginia
- Safety Co in Virginia
- Toogle in Virginia
- AAA in Virginia
- Tesla Insurance in Virginia
- National General in Virginia
- Root Insurance in Virginia
- Chubb in Virginia