Third-Party DV Recoverable
100%
3 years for property damage
Available in most policies
Total Loss Claims in Colorado
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
Repair costs must equal or exceed the full actual cash value
Independent appraisal helps ensure accurate ACV determination
Colorado's 100% threshold is one of the highest in the nation. This means your vehicle must cost as much to repair as it's worth before it can be declared a total loss. However, insurers may still try to undervalue your vehicle to push it over the threshold.
Body Shop Appraisals in Colorado
Right to Appraisal (RTA) for Repair Disputes
High altitude and harsh winters make proper repair procedures essential
Body shops can help customers invoke the appraisal clause for underpaid claims
Salt and road treatment damage should be factored into repair estimates
OEM parts and ADAS calibration are critical for mountain driving safety
Cities & Towns We Serve in Colorado
Hyper-local auto damage appraisal services across Colorado
National Appraisers provides total loss appraisals, diminished value claims, and body shop Right to Appraisal (RTA) services throughout Colorado. Click on any city below for location-specific information.