Alabama total loss rule: when a car totals:
The Alabama total loss rule—not parts delays—decides if a vehicle is totaled. Alabama uses a 75% benchmark. When the written repair estimate reaches 75% or more of actual cash value (ACV) at the time of loss, the claim moves to total-loss handling and salvage procedures. Backordered parts alone don’t meet that standard. Start with the numbers. Verify ACV using options, mileage, condition, and recent local sales. Compare that value to the itemized estimate to see where you sit relative to the 75% threshold. If you need help applying the Alabama total loss standard to your estimate, Bridgeway Insurance will run the calculations and explain your options.
Parts delays vs. the 75% total loss threshold:
Parts backorders slow repairs, but they don’t change the legal trigger. A carrier may choose a total for practicality, yet Alabama’s 75% rule still governs the decision. Use the downtime to organize your file. Photograph damage from several angles. Save every shop supplement and email. Track rental or loss-of-use dates. If teardown reveals hidden damage, request an updated estimate so the ratio stays accurate under Alabama’s total-loss standards.
Bridgeway Insurance help with Alabama total loss claims:
Bridgeway Insurance handles the details so you don’t have to. We verify ACV line by line and challenge low valuations. We review salvage assumptions that can distort the 75% ratio. Our team coordinates with your body shop, pushes for timely supplements, and requests appropriate rental extensions. When the numbers cross the threshold, we guide you through Alabama salvage-title steps, payoff or GAP questions, and sales-tax credits on a replacement. If repairs proceed instead, we evaluate diminished value and assemble market evidence to support it. You get clear answers and fewer surprises under the Alabama total loss framework.*
Quick checklist for total loss in Alabama:
• Confirm ACV, options, mileage, and local comps.
• Compare the estimate to ACV and note your position relative to 75%.
• Save photos, invoices, emails, and supplements.
• Track rental or loss-of-use with exact dates.
• Contact Bridgeway Insurance for a line-by-line review and advocacy.
Helpful internal resources:
• Auto Insurance in Alabama
• Claims Support Center
• Diminished Value & Total Loss Guide
Authoritative outbound references:
• Alabama Department of Revenue — Motor Vehicle Division (salvage/rebuilt): https://www.revenue.alabama.gov
• Alabama Code §32-8-87 (salvage and total-loss title procedures): https://alisondb.legislature.state.al.us
