Third-Party DV Recoverable
TLF (Repair + Salvage > ACV)
5 years for property damage
Available in most policies
Total Loss Claims in Illinois
Threshold: TLF (Repair + Salvage > ACV)
Uses Total Loss Formula for standard collision claims
Special rule: flood damage total loss if repairs exceed 50% of ACV
Chicago metro provides excellent comparable vehicle data
Long statute of limitations (5 years) gives time to dispute offers
Illinois has a special provision for flood-damaged vehicles: if repair costs exceed 50% of the vehicle's ACV, it is automatically considered a total loss. This is a lower threshold than the standard Total Loss Formula used for collision damage.
Body Shop Appraisals in Illinois
Right to Appraisal (RTA) for Repair Disputes
Chicago metro has a large, competitive body shop market
Harsh winters and road salt make proper repair procedures essential
Body shops can help customers invoke the appraisal clause
OEM parts and ADAS calibration are critical for safety
Cities & Towns We Serve in Illinois
Hyper-local auto damage appraisal services across Illinois
National Appraisers provides total loss appraisals, diminished value claims, and body shop Right to Appraisal (RTA) services throughout Illinois. Click on any city below for location-specific information.