
A rule or calculation used in a particular jurisdiction or context to identify a total loss. Insurance repair decisions and title-branding rules can use different tests.
Ask which rule was applied and what repair, salvage and vehicle-value figures were used. Do not apply a national percentage chart to a claim without verifying the relevant state and purpose.
“Where does this term appear in my report or policy, and how does it affect this specific calculation or next step?” Ask for a written explanation tied to the document.
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