Vehicle Appraisal & Insurance Valuation in North Dakota

The North Dakota Insurance Department provides consumer guidance on how ACV is determined for automobile total-loss claims. DOI guidance addresses the use of comparable vehicles, local dealer quotations, and local-market pricing services in establishing ACV.

North Dakota DOI guidance emphasizes the vehicle's actual pre-loss condition as a key factor in ACV determination. The condition of the vehicle at the time of loss — not a generic condition assumption — should be reflected in the valuation.

North Dakota's salvage-title reporting framework uses a 75% threshold for specified circumstances. This threshold governs when a vehicle must be reported and titled as salvage under North Dakota's title framework.

North Dakota's 75% salvage-title reporting threshold is a title rule — it is not an insurer's mandatory economic total-loss threshold. An insurer's economic total-loss decision is governed by the applicable policy and claims-settlement rules, not automatically by the salvage-title reporting threshold. Claims-settlement valuation and salvage-title classification are separate frameworks.

North Dakota does not establish a universal statutory automobile Right of Appraisal independent of policy provisions. If the applicable policy contains an appraisal clause, that contractual provision governs the availability and procedure of the appraisal process for disputes about the amount of a loss.