Total-loss car insurance laws by state

If your car was totaled in California, the insurer's valuation has to follow specific rules. Here's what the law says a fair offer looks like, and how to check yours against it.

Texas has no rule dictating how insurers must value a totaled car. Here's what the law does give you, and why the strongest argument is usually the arithmetic in the insurer's own report.

If your car was totaled in Florida and the payout looks low, the state's own claim-settlement statute sets rules the insurer has to follow. Here's what it says and how to check the offer against it.

If your insurer totaled your car in Washington, the offer has to follow real rules. Here's what the state regulation requires, and how to check the math yourself.

Illinois puts a hard $500 cap on condition deductions and bans dealer-prep cuts. Here's what the rule says, how insurers get around it, and how to check your own offer.

What Georgia's total-loss rule actually requires, where it goes quiet, and how to tell whether the offer on your car holds up.

If New York declared your car a total loss and the check looks low, the state's own rule sets a floor for what the insurer can pay and what it has to prove. Here's what Regulation 64 requires, and how to check your offer before you accept it.