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New Jersey: total loss threshold and rebuilt title rules
What New Jersey’s own pages print, word for word. Kind of rule, by our sorting: Repair cost against value.
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 New Jersey, in the state’s words?
“For those motor vehicles manufactured eight or less model years from the current model year, the cost to repair such damaged motor vehicle, as determined by a bona fide repair estimate, equals or exceeds the fair market value of the motor vehicle immediately before it was damaged”
“"Salvage motor vehicle" means any motor vehicle which has been reported stolen or is damaged to such an extent that it is economically impractical to repair.”
“A salvage vehicle is a vehicle that has been wrecked, destroyed or damaged to such extent that the insurance company considers it uneconomical to repair it.”
Citation as the page prints it: § 13:21-22.3 Definitions
(N.J.A.C. 13:21-22, Salvage Certificates of Title Regulations (copy published by the New Jersey Motor Vehicle Commission), read November 11, 2026)
The regulation and the Motor Vehicle Commission page word the definition differently. Both are quoted.
The regulation sentence prints no percentage. It compares the repair cost with the value itself, and the tool does the same.
Compare your figures with New Jersey’s quoted rule
The tool shows the sentence the state prints and does the arithmetic that sentence describes on the figures you type. Nothing is sent anywhere and nothing is saved.
How do you get a rebuilt title in New Jersey, in the state’s words?
“must undergo an inspection at a State inspection facility.”
“Receipts for parts replaced must accompany the salvage title when emailing documents for an inspection appointment.”
“After a salvage title has been issued, you will need to make the required repairs before scheduling an inspection.”
What fee does New Jersey print?
“$200.00 ($100.00 Motorcycles ONLY)”
“The inspection fee is non-refundable and expires in one (1) year.”
“$60 title fee and $25 penalty fee, if applicable.”
Read each fee sentence for what it covers: an inspection, a title, or something else.
Which form does New Jersey name?
“Salvage Inspection Fee Application (OS/SS-3)”
Where are New Jersey’s official pages?
- N.J.A.C. 13:21-22, Salvage Certificates of Title Regulations (copy published by the New Jersey Motor Vehicle Commission)
- New Jersey Motor Vehicle Commission, Salvage/Rebuilt Vehicles
- New Jersey Motor Vehicle Commission, Salvage Inspection Fee Application (OS/SS-3)
Every quote above was matched word for word against its page on November 11, 2026. If one has changed, tell us.