Total Vehicle Loss in Minnesota

total loss car insurance settlement minnesota

According to the Minnesota Department of Public Safety, more than 80,000 car accidents took place within the state of Minnesota in 2019.

Many car accidents result in significant damage to the vehicles involved and if the damage is extensive enough, it may cause your vehicle to be declared a total loss.  In Minnesota, a total loss formula (TLF) that factors the cost of repairs and salvage value with the actual cash value of the vehicle is used to determine a total loss vehicle.

Vehicles are considered a total loss in Minnesota if the cost of repairs and salvage value combine to be more than 80 percent of the actual cash value of the vehicle before the accident.  Factors such as mileage, make, model, year, and the condition of the vehicle help determine the actual cash value and the salvage value is the value of the vehicle in its damaged state after the accident.  Both values will be determined by the insurance companies involved.

At Anderson + Wanca, we can help those filing a total loss claim in the state of Minnesota.  When determining the settlement for your total loss vehicle claim, insurance companies must factor in applicable taxes and fees as well as the value of your vehicle.  Our attorneys will ensure that you get a fair settlement for your total loss claim by reviewing your settlement as well as the applicable taxes and fees.

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Vehicle Total Loss Settlements in Minnesota

After a traffic accident, insurance claims must be filed by all drivers involved.  The insurance companies will determine the actual cash values and salvage values of the vehicles involved and they may consult additional resources.

If your vehicle is declared a total loss, you should receive the actual cash value of your vehicle from your insurance company or the insurance provider of the at-fault driver.  The settlement should also accommodate the sales taxes and title costs for a new vehicle.

What Happens When Your Insurance Totals Your Car?

Your insurance company will first determine the actual cash value of your vehicle before the crash by considering the make, model, year, mileage, and condition of your vehicle.  They will then determine the salvage value of your vehicle in its wrecked state as well as the cost of repairs.

The following taxes and fees must also be considered for your vehicle total loss settlement:

  • Vehicle registration
  • Title transfer
  • Sales tax
  • License plate transfer
  • Other mandatory Minnesota fees

Failure to accommodate these taxes and fees in your total loss claim can result in you getting a lower settlement than you deserve.

Total Loss Vehicle Claims with Anderson + Wanca

At Anderson + Wanca, our attorneys can help you get a fair settlement for your total loss claim in Minnesota.  We have an understanding of applicable laws when it comes to total vehicle losses, and we have experience with these cases.

We will do a thorough review of your settlement documents and insurance policy in addition to applicable taxes and fees.  If you are not getting a fair settlement, we can negotiate with your insurance company for a bigger settlement to ensure fair compensation.

You can call Anderson + Wanca at (888) 505-0953 to talk to our attorneys or email us at

We work with licensed attorneys throughout the U.S.

Total Vehicle Loss

If you have sustained a total vehicle loss in the state of Minnesota, we would be happy to review your settlement documents, your insurance policy, and the invoice for your replacement vehicle to determine if you are owed additional money.

Contact us today by submitting the form below.