When a Car Is a Total Loss in Missouri
How Missouri decides a car is a total loss, salvage title rules, and how to complain about a claim.
Short answer: A "salvage vehicle" includes one damaged within six years after its model year so that the cost of repairs to rebuild it for road use exceeds 80% of its fair market value just before the damage (excluding air bags, tires, sound systems, hail damage and sales tax on parts), and any… RSMo §301.010(55)
| Total loss rules | A "salvage vehicle" includes one damaged within six years after its model year so that the cost of repairs to rebuild it for road use exceeds 80% of its fair market value just before the damage (excluding air bags, tires, sound systems, hail damage and sales tax on parts), and any vehicle declared salvage by an insurance company as a result of settling a claim. Source: RSMo §301.010(55) |
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| Complaints about an insurer | Contact the Missouri Department of Commerce and Insurance, Division of Consumer Affairs. File a complaint online (in English or Spanish), or download a complaint form and fax it to 573-526-4898 or mail it to P.O. Box 690, Jefferson City, MO 65102-0690. Insurance Consumer Hotline: 800-726-7390 (8 a.m. to 5 p.m. weekdays). |
More Missouri car insurance & vehicle laws
- Minimum Car Insurance in Missouri
- Driving Without Insurance in Missouri
- SR-22 Insurance in Missouri
- Transferring a Car Title in Missouri
- All Missouri car insurance & vehicle laws rules
FAQ
When is a car a total loss in Missouri?
A "salvage vehicle" includes one damaged within six years after its model year so that the cost of repairs to rebuild it for road use exceeds 80% of its fair market value just before the damage (excluding air bags, tires, sound systems, hail damage and sales tax on parts), and any vehicle declared salvage by an insurance company as a result of settling a claim.
How do you file a complaint against a car insurance company in Missouri?
Contact the Missouri Department of Commerce and Insurance, Division of Consumer Affairs. File a complaint online (in English or Spanish), or download a complaint form and fax it to 573-526-4898 or mail it to P.O. Box 690, Jefferson City, MO 65102-0690. Insurance Consumer Hotline: 800-726-7390 (8 a.m. to 5 p.m. weekdays).
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.