Total Loss Appraisal in Wyoming
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Wyoming uses a 75% total loss threshold. If the estimated cost of parts and labor needed to return your vehicle to its pre-accident condition is greater than about 75% of its Actual Cash Value (ACV), it is typically treated as a total loss and subject to salvage rules. You can see how Wyoming compares to other states in our guide to total loss laws by state.

ACV is your vehicle’s fair market value in Wyoming just before the crash. It’s based on: year, make, model, trim, mileage, options, condition, and local market data (for example, Cheyenne, Casper, Laramie, Gillette, Rock Springs, and surrounding areas). To understand how ACV should be calculated correctly, check our Fair Market Value & ACV guide.

You are not required to accept a valuation that doesn’t match real Wyoming market prices. Ask for the full CCC/Mitchell or other valuation report, then check: missing options, wrong trim, incorrect mileage, or comps pulled from cheaper out-of-state markets. Many drivers and attorneys rely on a SnapClaim Wyoming total loss appraisal to present a stronger, data-backed value: order a Wyoming total loss appraisal.

In Wyoming, once estimated repairs exceed about 75% of the vehicle’s ACV, the vehicle generally meets the definition of a salvage vehicle and is treated as a total loss. Insurers may also consider safety, hidden damage risk, and market factors, but the 75% threshold is the main trigger for salvage branding. Our state-law overview explains how percentage thresholds work alongside insurer guidelines: learn about total loss thresholds.

When a vehicle meets Wyoming’s total loss standard, it is usually branded as a salvage vehicle. The original title is surrendered and a salvage title or certificate is issued in its place. If the car is later repaired and passes all required inspections, it may qualify for a rebuilt (or similar branded) title before it can legally return to the road. Be sure you understand how the title will be branded before you agree to the settlement terms, especially if you plan to keep the vehicle.

Often, yes. If you elect to retain the salvage, the insurance company typically reduces your cash settlement by the vehicle’s estimated salvage value, and the title will be branded as salvage under Wyoming law. You’ll then need to handle repairs and any required inspections before the vehicle can be driven or registered again. A SnapClaim appraisal can help you confirm whether both the ACV and salvage value are fair: talk to our Wyoming appraisal team.

Many total loss settlements include applicable taxes and certain fees needed to replace your vehicle, but practices can vary by insurer and policy. Always ask for an itemized breakdown showing: ACV, tax, title, registration, and any other line items. Our valuation guide breaks down how these components fit into ACV: understand ACV, tax, and fees.

If your loan payoff is higher than the total loss settlement, you have negative equity. You’re responsible for that remaining balance unless you carry GAP coverage or a similar add-on that covers the shortfall. The more accurate your ACV, the smaller that gap usually is. Wyoming drivers and law firms often use a SnapClaim report to show that the vehicle was worth more than the insurer’s number: request a Wyoming total loss appraisal.

Wyoming law sets specific statutes of limitations for vehicle damage and injury claims from crashes. These deadlines can span multiple years, but the exact time frame depends on your situation and may change if laws are updated. Missing a deadline can affect your rights, so it’s important to consult a Wyoming attorney about the timing for your particular case. SnapClaim’s role is to provide a clear, data-driven valuation that your attorney or adjuster can rely on during negotiations: see how our Wyoming reports are used.

Many auto policies, including those used in Wyoming, contain an appraisal clause that applies when you and your insurer disagree about your vehicle’s value. Typically, each side hires an appraiser; if they can’t agree, they submit the dispute to a neutral umpire who helps set the value. This process usually applies when you’re making a claim under your own policy. A detailed SnapClaim report can support you if you decide to invoke appraisal: learn how our Wyoming appraisals support disputes.

Yes. SnapClaim works across all of Wyoming—from larger cities like Cheyenne and Casper to smaller towns and rural areas. Instead of generic national values, we pull hyper-local comparable listings that reflect the real market in your part of the state. You can start from our Wyoming overview page or go directly to ordering a total loss appraisal: start a Wyoming total loss appraisal.

Most Wyoming total loss appraisals are completed the same business day after we receive your claim information and supporting documents—often within about an hour. That speed helps you push back on low offers before the claim drags on for weeks. Get started now: order your Wyoming total loss appraisal.

SnapClaim builds a Wyoming-specific valuation file using verified comparables, condition adjustments, mileage, options, and market corrections for your area. The report clearly explains how ACV should be calculated and highlights where the insurer’s number may fall short. Many clients recover significantly more after presenting a SnapClaim appraisal: see how our Wyoming appraisals support negotiations.