How is a total-loss threshold calculated?
Your state sets a specific point where an insurer classifies a vehicle as a total loss. Enter your numbers to see where yours falls.
More states are being added as we verify each one’s threshold against its own state code.
Check Kelley Blue Book or J.D. Power for an actual cash value estimate.
Use the estimate from your insurer or body shop. Getting a second estimate is common and can be worth doing.
South Carolina defines a total loss by statute: S.C. Code Ann. § 56-19-480(G). $2,000 fair-market-value floor and antique-vehicle exception both apply per statute; not modeled in calculator math.
Want a closer look at your specific claim? Read the accident guide or talk to a local attorney below.
This tool is an educational estimate based on the numbers you enter and your state’s published total-loss threshold. It is not a legal or financial opinion, and it does not tell you what your claim is worth or what your insurer will decide.
Where to find your car’s value
A few independent sources insurers and consumers both use to estimate actual cash value.
Want a second opinion on your claim?
Talk to a local attorney about your total-loss offer, free and with no obligation.
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