Third-Party DV Recoverable
100%
2 years for property damage
Available in most policies
Total Loss Claims in Texas
Threshold: 100%
Vehicle is totaled only when repair costs reach 100% of ACV
Highest threshold in the nation — harder for insurers to total a vehicle
Largest vehicle market in the US provides excellent comparable data
Hail and severe weather damage claims are extremely common
Texas has a 100% total loss threshold — one of the highest in the nation. This means repair costs must equal or exceed the vehicle's full actual cash value before it can be declared a total loss. However, insurers may try to undervalue your vehicle to push it over the threshold, making independent appraisal essential.
Body Shop Appraisals in Texas
Right to Appraisal (RTA) for Repair Disputes
Largest vehicle market in the US — competitive body shop industry
Hail and severe weather damage is extremely common
Body shops can help customers invoke the appraisal clause
100% threshold means more vehicles can be repaired rather than totaled
OEM parts and ADAS calibration documentation strengthens claims
Cities & Towns We Serve in Texas
Hyper-local auto damage appraisal services across Texas
National Appraisers provides total loss appraisals, diminished value claims, and body shop Right to Appraisal (RTA) services throughout Texas. Click on any city below for location-specific information.