Total loss timing in every state

Each page names the property-damage lawsuit period we were willing to cite and says whether a first-party claim is a real path or usually a policy fight. That timing covers a dispute over actual cash value and a diminished-value claim after a repair. These pages are not legal advice, and they do not invent a sales-tax rule or an appraisal right. Where a statute was amended or two sections compete, the page says so instead of picking a number for you.