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Florida: total loss threshold and rebuilt title rules
What Florida’s own pages print, word for word. Kind of rule, by our sorting: Percentage.
This is a reference to quoted official text, not legal, tax, insurance or professional advice. Rules change; confirm with the agency before acting.
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When is a vehicle salvage or a total loss in Florida, in the state’s words?
“When an uninsured motor vehicle or mobile home is wrecked or damaged and the cost, at the time of loss, of repairing or rebuilding the vehicle is 80 percent or more of the cost to the owner of replacing the wrecked or damaged motor vehicle or mobile home with one of like kind and quality.”
“When an insurance company pays the vehicle owner to replace the wrecked or damaged vehicle with one of like kind and quality or when an insurance company pays the owner upon the theft of the motor vehicle or mobile home; or”
“A motor vehicle or mobile home shall not be considered a “total loss” if the insurance company and owner of a motor vehicle or mobile home agree to repair, rather than to replace, the motor vehicle or mobile home.”
Citation as the page prints it: Definitions; dismantling, destruction, change of identity of motor vehicle, vessel, or mobile home; salvage.
(Florida Statutes 319.30, read November 11, 2026)
The percentage sentence begins When an uninsured motor vehicle or mobile home is wrecked or damaged
. The sentence about an insurance company paying is quoted after it and prints no percentage.
Compare your figures with Florida’s quoted rule
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How do you get a rebuilt title in Florida, in the state’s words?
“the department has conducted the physical examination of the vehicle to assure the identity of the vehicle and all major component parts”
What fee does Florida print?
“The customer will be charged an inspection fee of $40.”
“If the vehicle fails inspection, there will be a $20 fee charged for each additional inspection needed.”
Read each fee sentence for what it covers: an inspection, a title, or something else.
Which form does Florida name?
“The applicant must submit a completed Form HSMV 84490 (Affidavit for Rebuilt or Assembled Vehicles).”
What do the pages print about the title afterwards?
“the Florida certificate of title will be issued branded "Rebuilt."”
What else do the pages say?
“"Rebuilt vehicle" means a motor vehicle or mobile home built from salvage or junk, as defined in s. 319.30”
Where are Florida’s official pages?
- Florida Statutes 319.30
- Florida Statutes 319.14
- Florida Department of Highway Safety and Motor Vehicles, Procedure TL-37
Every quote above was matched word for word against its page on November 11, 2026. If one has changed, tell us.