By stateAccident claim law differs state to state.
Pick where your accident happened. Moe has mapped the total-loss rules, appraisal clause, diminished-value recovery, and the carrier patterns we see in each state.
Alabama
DV recoverable · Appraisal optional
Alaska
DV recoverable · Appraisal optional
Arizona
DV recoverable · Appraisal optional
Arkansas
DV recoverable · Appraisal optional
California
DV recoverable · Appraisal optional
Colorado
DV recoverable · Appraisal optional
Connecticut
DV recoverable · Appraisal optional
Delaware
DV recoverable · Appraisal optional
District of Columbia
DV recoverable · Appraisal optional
Florida
DV recoverable · Appraisal optional
Georgia
DV recoverable · Appraisal optional
Hawaii
DV recoverable · Appraisal optional
Idaho
DV recoverable · Appraisal optional
Illinois
DV recoverable · Appraisal optional
Indiana
DV recoverable · Appraisal optional
Iowa
DV recoverable · Appraisal optional
Kansas
DV recoverable · Appraisal optional
Kentucky
DV recoverable · Appraisal optional
Louisiana
DV recoverable · Appraisal optional
Maine
DV recoverable · Appraisal optional
Maryland
DV recoverable · Appraisal optional
Massachusetts
DV recoverable · Appraisal optional
Michigan
DV recoverable · Appraisal optional
Minnesota
DV recoverable · Appraisal optional
Mississippi
DV recoverable · Appraisal optional
Missouri
DV recoverable · Appraisal optional
Montana
DV recoverable · Appraisal optional
Nebraska
DV recoverable · Appraisal optional
Nevada
DV recoverable · Appraisal optional
New Hampshire
DV recoverable · Appraisal optional
New Jersey
DV recoverable · Appraisal optional
New Mexico
DV recoverable · Appraisal optional
New York
DV recoverable · Appraisal optional
North Carolina
DV recoverable · Mandatory appraisal
North Dakota
DV recoverable · Appraisal optional
Ohio
DV recoverable · Appraisal optional
Oklahoma
DV recoverable · Appraisal optional
Oregon
DV recoverable · Appraisal optional
Pennsylvania
DV recoverable · Appraisal optional
Rhode Island
DV recoverable · Appraisal optional
South Carolina
DV recoverable · Appraisal optional
South Dakota
DV recoverable · Appraisal optional
Tennessee
DV recoverable · Appraisal optional
Texas
DV recoverable · Mandatory appraisal
Utah
DV recoverable · Appraisal optional
Vermont
DV recoverable · Appraisal optional
Virginia
DV recoverable · Appraisal optional
Washington
DV recoverable · Mandatory appraisal
West Virginia
DV recoverable · Appraisal optional
Wisconsin
DV recoverable · Appraisal optional
Wyoming
DV recoverable · Appraisal optional
More states being added. Don’t see yours? Moe still handles claims nationwide.