Michigan: total loss rules
When an insurer must declare your car a total loss: a set percentage of its value, or the total loss formula.
| Rule | 75% of actual cash value |
|---|---|
| What it means | Totaled when repairs cost 75% or more of what the car was worth before the crash |
An insurer can total a car below the threshold, but must total it at or above it. If you disagree with the value offered, most policies let you invoke appraisal, and you can ask for the comparable-car report.
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply. Confirm with the state agency, the court or a licensed professional in Michigan.
Also for Michigan: Car insurance by state in Michigan · Claim deadlines in Michigan · Small claims limits in Michigan · Shared fault rules in Michigan · Accident reporting rules in Michigan · Lemon law rules in Michigan · Sales tax rates in Michigan · Phone-while-driving laws in Michigan · Motorcycle helmet laws in Michigan · Gas tax in Michigan
How we checked this
Thresholds were compared across four 2026 insurance publishers and agree for every state except Rhode Island. Last checked: November 12, 2026. Laws change; confirm with the state agency or a licensed professional before acting.
Cross-checked sources agree Checked on official source confirmed on a government, court or legislature site Single detailed source one detailed table built from statutes or official data Under review sources disagree; read the note and the law.