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Exhibit #1 Presented By Bob Compan Farmers Group Inc.
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STA
TE
%
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tal
Los
s T
hre
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CAR
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CA
RRI
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MIN
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S 70
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CA
UFO
RN
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CARR
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COLO
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AIN
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D-2
ALABAMA
Alabama Department of Revenue Motor Vehicle Rules 810-5-17-.01 http://www.ador.state.al.us/motorvehicle/mvrules/810-5-17-.01 .html http://www.ador.state.al. us/motorvehicle/mvforms/mvt41 1. pdf
(1) When a motor vehicle titled and domiciled in Alabama is salvaged or considered a total loss ... it will be the responsibility of the owner or any person acquiring ownership (individual, company, or insurance company) to complete form MVT 41-1 {Application for Salvage Certificate of Title), and mail or deliver it to the Department of Revenue as soon as practicable for processing.
(3) Upon receipt of a properly completed MVT 41-1 and the supporting documents as specified in Section 2, the Department will issue a salvage certificate of title. The salvage certificate of title will reflect the legend "Parts Only - Non-Rebuildable" if such disclosure was made on the MVT 41-1. The salvage certificate of title will reflect the legend "Flood Vehicle" if such disclosure was made on the MVT 41 -1 ...
Notes: We are to submit the required form to the Department, who will return a Salvage Title with any appropriate additional branding based on our disclosures on the form. There are no official guidelines as to what defines a "Non-Rebuildable" vehicle, so this would presumably be left to our best discretion as to what should be rebuilt.
D-3
Alaska
Sale Title Type Not Specified Alaska law does not address salvage titles nor does Alaska issue a salvage title. A vehicle with a salvage title is treated the same as a reconstructed vehicle.
Bills of sale are acceptable to transfer ownership.
A person who wrecks, dismantles, or destroys a vehicle is required to immediately surrender the title, registration and plates to OMV. The title should have "junked.n "wrecked," or"dismantled" written across the face of it.
If a vehicle is to be rebuilt for use on the road it is be titled according to the procedures for any reconstructed vehicle. When the title is surrendered to OMV the vehicle is treated much the same as any ordinary vehicle part and may be sold using a bill of sale.
Reference http://doa.alaska.gov/dmv/dealer/sop title/pdfs/T270.pdf
D-4
Arizona
Non-Repairable - Has no resale value except as a source of parts or scrap metal and the owner or insurer designates the vehicle solely as a source of parts or scrap metal. - Is a completely stripped vehicle that is recovered from theft and that is missing the engine or motor, the transmission, all of the bolt-on sheet metal body panels, all of the doors and hatches, substantially all of the interior components and substantially all of the grill and light assemblies or that the owner designates has little or no resale value except its worth as a source of scrap metal or as a source of a vehicle identification number that , could be used illegally. - Is a completely burned vehicle that has been burned to the extent that there are no usable or repairable body or interior components, tires and wheels, engine or motor or transmission and that the owner irreversibly designates as having little or no resale value except as a source of scrap metal or as a source of a vehicle identification number that could be used illegally.
Salvage "Salvage vehicle" means a vehicle, other than a nonrepairable vehicle, of a type that is subject to titling and registration pursuant to this chapter and that has been stolen, wrecked, destroyed, flood or water damaged or otherwise damaged to the extent that the owner, leasing company, financial institution or insurance company considers it uneconomical to repair the vehicle.
Stolen Vehicle "Stolen vehicle certificate of title" means a vehicle ownership document issued to the owner of a vehicle that has been stolen and not recovered.
Reference AZ State Code 28-2091
. '
D-5
ARKANSAS
Arkansas Code § 27-14 2301 and 2305 http://law.justia.com/codes/arkansas/201 O/title-27 /subtitle-2/chaoter-14/subchapter-23/27-14-2301/
2301
(6) "Salvage vehicle" means a motor vehicle that is: (A) Water-damaged; or (B) Sustains any other damage in an amount equal to or exceeding seventy percent (70%) of its average retail value as determined under criteria established by rule of the Office of Motor Vehicle; and
(7) "Water-damaged" means damage to a motor vehicle caused by submerging or partially submerging the vehicle in water to the extent that the vehicle was submerged or partially submerged at any water level above the dashboard of the vehicle, regardless of the actual dollar amount of the damage.
2305 (a) The provisions of this subchapter shall not apply to motor vehicles more than seven (7) model years old prior to the calendar year of the occurrence.
(b) Any title that is branded pursuant to this subchapter shall retain the brand on the title for the life of the vehicle.
Notes: We are to submit total loss vehicles to the State. Vehicles 7 model years old and newer will be branded as "Salvage" if the damage meets or exceeds 70% of ACV, or is water damaged.
D-6
California
Non-Repairable - A nonrepalrable vehicle is a vehicle that has no resale value except as a source of parts or scrap metal, and which the owner irreversibly designates solely as a source of parts or scrap metal. bolt on sheet metal body panels, all of the doors and hatches, substantially all of the interior components, and substantially all of the grill and light assemblies, or that the owner designates has little or no resale value other than its worth as a source of scrap metal, or as a source of a vehicle identification number that could be used illegally. - A nonrepairable vehicle is a completely burned vehicle (burned hulk) that has been burned to the extent that there are no more usable or repairable body or interior components, tires and wheels, or drive train components, and which the owner irreversibly designates as having little or no resale value other than its worth as scrap metal or as a source of a vehicle identification number that could be used illegally.
Salvage or damaged, to the extent that the owner, leasing company, financial institution, or the insurance company that insured or is responsible for repair of the vehicle, considers it uneconomical to repair the vehicle and because of this, the vehicle is not repaired by or for the person who owned the vehicle at the time of the event resulting in damage.
Reference California State Code 100-680-431 & 100-680-544
D-7
Colorado
Salvage A salvage vehicle is a vehicle that is damaged by collision, fire, flood, accident, trespass, or other occurrence, excluding hail damage, to the extent that the cost of repairing the vehicle to a roadworthy condition and for legal operation on the highways exceeds the vehicle's retail fair market value immediately prior to such damage, as determined by the person who owns the vehicle at the time of such occurrence or by the insurer or other person acting on behalf of such owner.
There also exist brands in addition to salvage for various damage sustained to the vehicle: Rebuilt (from salvage), nonrepairable ((a) IS INCAPABLE OF SAFE OPERATION ON THE ROAD AND THAT HAS NO RESALE VALUE EXCEPT AS SCRAP OR AS A SOURCE OF PARTS; OR (b) THE OWNER HAS DESIGNATED AS SCRAP OR AS A SOURCE OF PARTS.), flood (SUBMERGED IN WATER TO THE POINT THAT RISING WATER HAS REACHED OVER THE DOORSILL AND ENTERED THE PASSENGER COMPARTMENT AND DAMAGED ELECTRICAL, COMPUTER, OR MECHANICAL COMPONENTS.), odometer tampering, or Junk (INCAPABLE OF OPERATING ON ROADS AND IS NO LONGER A VEHICLE BECAUSE IT HAS BEEN DESTROYED, DISMANTLED, OR CHANGED).
Reference Colorado State Code 42-6-102(17)(a)
D-8
Connecticut
Salvage An insurance company takes possession of a vehicle that (1) has been declared a total loss and {2) the company or its agent offers it for sale in Connecticut as a result of the settlement of a claim for damage or theft. If the vehicle's certificate of title was issued in Connecticut, the company must (1) stamp the title with the word "SALVAGE" in letters one inch high and not more than three inches long and (2) attach the appraiser's damage report for the vehicle to the title.
Salvage Parts Only If the insurance company determines that the vehicle has 10 or more major component parts (such as the engine or transmission) that must be replaced because they are damaged beyond repair, the title must instead be stamped "SALVAGE PARTS ONLY" in the same dimensions. The insurance company must send OMV a copy of the certificate. If the title for the vehicle was issued by another state, the insurance company must attach a copy of the appraiser's damage report for the vehicle to the title.
Reference Connecticut State Code 14-16c
D-9
DELAWARE
Delaware Code Title 21§2512 http://delcode.delaware.gov/title21/c025/index.shtml
(a) Whenever any registered or unregistered motor vehicle, for which a title has been issued by the Department, is transferred as salvage as a result of a total loss insurance settlement, the insurance company or its authorized agent shall send the certificate of title of the vehicle to the Department within 30 days from the date of settlement. Upon receipt of the certificate of title and appropriate fee, the Department shall issue a salvage certificate. Such salvage certificate shall be deemed to meet all State proof of ownership. (b) If the owner of any registered or unregistered motor vehicle for which a title has been issued by the Department receives a total loss insurance settlement for the vehicle and chooses to retain ownership of the vehicle as owner retained salvage, the insurance company shall either comply with the requirements in paragraph (a) of this section or require the owner of the vehicle to procure a salvage certificate from the Department prior to paying the total loss insurance settlement. (c) If a salvaged or junked motor vehicle is sold to a scrap processor and if the vehicle is to be totally destroyed, the salvage dealer or junk dealer shall, within 30 days of said sale, certify on the salvage certificate that the vehicle was sold to be destroyed and list the name of the scrap processor or buyer along with the date of sale and that the vehicle no longer exists and forward the salvage certificate to the Department for cancellation. (d) The Department shall issue to the seller a receipt in the name of the seller, agent or owner for the salvage certificate. The seller or vehicle owner or agent shall keep such records and receipt for a period of 3 years from the date of sale and shall make such records and receipts available for inspection and examination by any police officer during the regular working hours of such business, seller or agent.
(f) The record keeping requirements outlined in this section shall be applicable to scrap processors, salvage dealers, junk dealers and insurance companies or their authorized agents. The record keeping requirement and penalties for failure to maintai_n such records shall not apply to individual owners who choose to retain ownership of their total loss vehicle as owner retained salvage.
Notes: If we declare a vehicle a total loss, we will secure the title and send to the State, who will issue us a Salvage certificate. If we then "junk" or scrap the vehicle, we must indicate this on the title and surrender the salvaQe certificate to the State who will then return a receipt acknowledgement. We must retain this receipt for
D-10
FLORIDA
2011 Florida Statutes Title XXlll Chapter 319.30 http:/Awm. leg.state.fl.us/Statuteslindex.cfm?App mode=Dlsplay Statute&URL=0300-0399/0319/0319Contentslndex.html&Statute Year=2011 & Title=-%3E2011-%3EChapter%20319
(1) As used in this section, the term: (a) "Certificate of destruction" means the certificate issued pursuant to s. 713.78(11) ors. 713. 785(7)(a).
(i) "Late model vehicle" means a motor vehicle that has a manufacturer's model year of 7 years or newer.
(r) "Salvage" means a motor vehicle or mobile home which is a total loss as defined in paragraph (3)(a).
(3)(b) ... an insurance company that pays money as compensation for the total loss of a motor vehicle or mobile home shall obtain the certificate of title for the motor vehicle or mobile home, make the required notification to the National Motor Vehicle Title Information System, and, within 72 hours after receiving such certificate of title, shall forward such title to the department for processing ...
... For a late model vehicle with a current retail cost of at least $7,500 just prior to sustaining the damage that resulted in the total loss, as established in any official used car guide or valuation service, if the owner or insurance company determines that the estimated costs of repairing the physical and mechanical damage to the vehicle are equal to 90 percent or more of the current retail cost of the vehicle, as established in any official used motor vehicle guide or valuation service, the department shall declare the vehicle unrebuildable and print a certificate of destruction, which authorizes the dismantling or destruction of the motor vehicle. .. .
... If a motor vehicle has a current retail cost of less than $7,500 just prior to sustaining the damage that resulted in the total loss, as established in any official used motor vehicle guide or valuation service, or if the vehicle is not a late model vehicle, the owner or insurance company that pays money as compensation for the total loss of the motor vehicle shall obtain a certificate of destruction, if the motor vehicle is damaged, wrecked, or burned to the extent that the only residual value of the motor vehlcle is as a source of parts or scrap metal, or if the motor vehicle comes into this state under a title or other ownership document that indicates that the motor vehicle is not repairable, is junked, or is for parts or dismantling only
Notes: When a vehicle is declared a Total Loss (any settlement in lieu of repair), we are to send the title to the State for review and processing within 72 hours receipt of transfer documents. Any late model vehicle with a value greater than $7,500 will issued a Salvage Title if the estimate amount is less than 90% of the vehicle value, or a Certificate of Destruction if the repair is 90% or more of the vehicle value. All other vehicles (not Late Model or lower ACV) will be issued Salvage unless we the insurer request a Certificate of Destruction for vehicles so severily damage that they have no rebuildable potential.
D-11
GEORGIA
Georgia Code Title 40 Chapter 3 http://law.justia.com/codes/qeorgia/201 O/title-40/chapter-3/
Article 1
(9) "Major component parf' means any one of the following subassemblies of a motor vehicle: (A) Front clip assembly (fenders, hood, and bumper); (B) Rear clip assembly (quarter panels, floor panel assembly, and roof assembly, excluding a soft top); (C) Engine and transmission; (D) Frame; or (E) Complete side (fenders, door, and quarter panel).
(11) "Salvage motor vehicle" means any motor vehicle: (A) Which has been damaged to the extent that its restoration to an operable condition would require the replacement of two or more major component parts; (8) For which an insurance company has paid a total loss claim and the vehicle has not been repaired, regardless of the extent of damage to such vehicle or the number of major component parts required to repair such vehicle, but shall not mean or include any stolen motor vehicle which has been recovered with the public manufacturer's vehicle identification number plate intact and the vehicle: (i) Is undamaged; (ii) Has only cosmetic damage; or (iii) Has been damaged but only to the extent that its restoration to an operable condition will not require the replacement of two or more major component parts;
Article 2 40-3-36.1. Designation of flood damaged or fire damaged vehicle on certificate of title For any salvage motor vehicle which, after inspection, it is determined that repair to an operable condition does not require replacement of two or more major component parts but it is determined that the damage to the vehicle is a result of flood or fire shall be designated as flood damaged or fire damaged by the commissioner and such designation shall be indicated on the face of the certificate of title for such vehicle.
(C) Any insurance company which acquires a damaged motor vehicle by virtue of having paid a total loss claim shall mail or deliver the certificate of title to the commissioner for cancellation. In every case in which a total loss claim is paid and the insurance company does not acquire such damaged motor vehicle, the insurance company paying such total loss claim, the vehicle owner, and the lienholder or security interest holder, as applicable, shall take the following steps to secure a salvage certificate of title for such motor vehicle:
Notes: When we pay a total loss on a vehicle, we are to surrender the title to the state in exchange for a Salvage Title. The exception is if a theft recovery vehicle is lightly or undamaged, in such case we are not obligated to secure a salvage title. Flood and Fire vehicles must include such a designation on the face of the title.
D-12
Hawaii
Salvage company, in the ordinary course of business or as the result of a total loss insurance settlement where the insurance company receives the certificates of registration and ownership, the purchaser or, if an insurance company its authorized agent, shall within ten days from the purchase, or the settlement of the insurance loss, forward the motor vehicle's endorsed certificate of ownership or other evidence of title, certificate of registration, license plates, and an application for a salvage certificate as provided for in section 286-44.5, to the director of finance.
Non Repairable/Junk t.JUtll'\.111~ UI 1 IVI llCJJO.U Q l.JIC VClllVIC. f'\l IY VVVllCI V I a VOi 11\.ol'C", IJVI ICU IC I n. ,., '-'Ul tC11uy I C~l;:)\CICU UI 11\.Jl l,.,Ull'CI t uy
registered, which is incapable of safe operation for use on the public highway and which has no resale value except as a source of parts or scrap only, or which the owner irreversibly designates as a source of parts or scrap, may junk the vehicle upon presenting to the director of finance a signed statement of fact of the junking together with such other relevant facts as may be required by the director of finance, and the signed certificate of title. All nonrepairable vehicles that are junked under this section shall never again be titled or registered. [L Anno - '> ~,..,
Reference Hawaii State Code 286-48, 286-51.5
D-13
Idaho
Salvage Any vehicle (1) having a salvage certificate, salvage bill of sale, or other documentation showing evidence that the vehicle has been declared salvage, or (2) which has been damaged to the extent that the owner or an insurer or other person acting on behalf of the owner, determines that the cost of parts and labor minus the salvage value makes it uneconomical to repair or rebuild, or (3) for which an insurance company has paid money or made other settlement as compensation for a total-loss vehicle. Insurance companies must issue a salvage certificate for all vehicles deemed salvage or a total-loss.
A salvage certificate will be issued to any vehicle that meets the definition of "Salvage Vehicle" (see definition above). A salvage certificate shall also be issued when an insurer has acquired a vehicle in the settlement of a
Reference http://itd. idaho.qov/d mv/vehicleservices/SalvaqeVehicles. htm
D-14
ILLINOIS
Illinois Vehicle Code 625 ILCS 5/3-117 and -118 http://www. ilga. gov/legislation/ilcs/ilcs4 .asp ?DocName=062500050HCh. + 3&Actl0=1815&Chapterl 0=49&SeqStar t=33400000&SeqEnd=62500000
Sec. 3-117.1
(1) When an insurance company makes a payment of damages on a total loss claim for a vehicle, the insurance company shall be deemed to be the owner of such vehicle and the vehicle shall be considered to be salvage except that ownership of
(i) a vehicle that has incurred only hail damage that does not affect the operational safety of the vehicle or (ii) any vehicle 9 model years of age or older may, by agreement between the registered owner and the
insurance company, be retained by the registered owner of such vehicle. The insurance company shall promptly deliver or mail within 20 days the certificate of title along with proper application and fee to the Secretary of State, and a salvage certificate shall be issued in the name of the insurance company. Notwithstanding the foregoing, an insurer making payment of damages on a total loss claim for the theft of a vehicle shall not be required to apply for a salvage certificate unless the vehicle is recovered and has incurred damage that initially would have caused the vehicle to be declared a total loss by the insurer.
Sec. 3-117.2. Junk Vehicle Notification Beginning July 1, 1989 a person licensed as a scrap processor pursuant to Section 5-301 of this Code who acquires a properly assigned Certificate of Title, a Salvage Certificate, a Certificate of Purchase, or a similarly acceptable out-of-state document of ownership pursuant to Section 5-401.3 of this Code, shall within 15 days of acquiring such document, submit it to the Secretary of State along with a Junk Vehicle Notification, the form and manner for which shall be as prescribed by Secretary of State rule 9r regulation ...
Sec. 3-118 (a) An application for a salvage certificate or junking certificate shall be made upon the forms prescribed by the Secretary of State ...
Sec. 3 118.1
However, insurance companies ... may exchange a salvage certificate for a certificate of title which does not bear the notation "RE BUILT" when there is submitted with the application satisfactory proof that the salvage certificate was obtained because of a claim of total loss from theft and the vehicle was recovered without structural damage caused by collision, fire, flood, theft, rust, or corrosion.
Notes: When a vehicle is declared a total loss, we are to apply for and obtain a Salvage Certificate, except for hail vehicles which may remain on a clean title. If we are selling the vehicle directly to a dismantler or scrap processor, they shall instead apply for a Junk certificate (i.e. LKQ). We may also reapply for a clean title on total loss thefts that are recovered intact and would not otherwise have been declared a total loss.
D-15
IN DIANA
Indiana Code Title 9 Article 22 Chapter 3 SALVAGE MOTOR VEHICLES http://www. in .gov/legislative/ic/201 O/title9/ar22/ch3. html
IC 9-22-3-1 (a) Except as provided in subsection (b) and section 14 of this chapter, this chapter applies each year to a motor vehicle, semitrailer, or recreational vehicle manufactured within the last seven (7) model years, including the current model year. The bureau shall establish guidelines for determining the applicability of the model year effective dates for each year.
IC 9-22-3-2.5 (a) As used in this chapter, "flood damaged vehicle" means a passenger motor vehicle that satisfies either of the following: (1) The vehicle has been acquired by an insurance company as part of a damage settlement due to water
IC 9-22-3-3
(a) A certificate of salvage title is required for a motor vehicle, motorcycle, semitrailer, or recreational vehicle that meets any of the following criteria:
(1) An insurance company has determined that it is economically impractical to repair the wrecked or damaged motor vehicle, motorcycle, semitrailer, or recreational vehicle and has made an agreed settlement with the insured or claimant.
IC 9-22-3-5 A certificate of salvage title issued under section 4 of this chapter must contain the following information: (1) The same vehicle information as a certificate of title issued by the department. (2) The notation "SALVAGE TITLE" prominently recorded on the front and back of the title. (3) If the motor vehicle is a flood damaged vehicle, the notation "FLOOD DAMAGED" prominently recorded on the front and back of the title.
Notes: When a vehicle is declared a total loss, we are to apply for a Salvage Title. Flood vehicles Wiii receive an additional branding. While these rules are only applicable to vehicles 7 model years old and newer, experience shows we apply for and receive a Salvage Title for all model years.
D-16
IOWA
Iowa Administrative Code Title 761 Chapter 405 http://search.leqis.state.ia.usfnxUgateway.dll/ar/iac?f=lemplates&fn=default.htm
405.6(2) An insurer upon acquisition of a motor vehicle as a result of a settlement with the motor vehicle owner arising out of damage to or unrecovered theft of the motor vehicle shall obtain an Iowa salvage title for the motor vehicle.
761-405.7 (321) 405.7(1) a. To obtain a regular title, the owner in whose name the salvage title is issued or assigned shall pay the appropriate fees and surrender the following when applying for the regular title: ( 1} The salvage title. (2) The salvage theft examination certificate issued in the applicant's name. However, a salvage theft examination certificate is not required if the vehicle has a gross vehicle weight rating of 30,000 pounds or more. See rule 761-405.15(321} for salvage theft examination. b. A regular title and registration receipt issued pursuant to this subrule shall bear the designation "prior salvage." 405.7(2) An insurer who has title pursuant to Iowa Code subsection 321 .52(4) may submit an insurer's certification in lieu of a salvage theft examination certificate. a. The insurer's certification shall: (1) Include the name and address of the insurance company and the VIN, year and make of the salvage titled {2} Include a statement by the insurer certifying that the retail cost of repairs for all damages to the vehicle is less than $3000. (3) Be dated and signed by an authorized representative of the insurer. b. The insurer's certification is not transferable if the insurer assigns the salvage title to another person. c. A regular title and registration receipt issued pursuant to this subrule is not required to have a designation of "prior salvage." However, the title and registration receipt shall bear any designation to be carried forward, as explained in rule 761-405.10(321).
Notes: lfwe declare a vehicle a total loss due to damage or being unrecovered, we are to secure a salvage title. On intact recovered thefts, we may "certify" and apply for a Clean title on vehicles whose damages are less than $3000. A junking certificate exists, however it is only used in context of vehicles titled outside of Iowa; any vehicles we acquire are to receive a Salvage Title per 405.6(2) .
D-17
KANSAS
2011 Kansas Code Chapter 8 Article 1 http://law. justia. corn/codes/kansas/2011 /Chapter8/ Article1 I
8-135c .. . (b)(1) "Nonrepairable vehicle" means any motor vehicle which: (A) Has been damaged, destroyed, wrecked, burned or submerged in water to the extent that such motor vehicle is incapable of safe operation for use on roads or highways and has no resale value except as a source of parts or scrap only; or (B) the owner irreversibly designates as a source of parts or scrap;
(b)(2) Every insurance company, which pursuant to a damage settlement, acquires ownership of a vehicle that has incurred damage requiring the vehicle to be designated a nonrepairable vehicle, shall apply to the division for a nonrepairable vehicle certificate within 30 days after the title is assigned and delivered by the owner to the insurance company, with all liens released.
KS Bulletin 2015-1. pdf
8-197 ... (2) "Salvage vehicle" means: (A) Any motor vehicle, other than a late model vehicle, which is of a type required to be registered in this state, but which cannot be registered because it has been wrecked or damaged to the extent that: The equipment required by state statute on any such vehicle used on the highways of this state is not present or is not in good condition or proper adjustment, as prescribed by state statute or any rules and regulations adopted pursuant thereto, or such vehicle is in an inoperable condition or a condition that would render the operation thereof on the highways of this state a hazard to the public safety; and in either event, such vehicle would require substantial repairs to rebuild or restore such vehicle to a condition which will permit the registration thereof; (B) a late model vehicle which is of a type required to be registered in this state and which has been wrecked or damaged to the extent that the total cost of repair is 75% or more of the fair market value of the motor vehicle immediately preceding the time it was wrecked or damaged and such condition was not merely exterior cosmetic damage to such vehicle as a result of windstorm or hail; or (C) a motor vehicle, which is of a type required to be registered in this state that the insurer determines is a total loss and for which the insurer takes title;
(6) "late model vehicle" means any motor vehicle which has a manufacturer's model year designation of or later than the year in which the vehicle was wrecked or damaged or any of the six preceding years;
8-198 ... (2) Every insurance company, which pursuant to a damage settlement, acquires ownership of a vehicle that has incurred damage requiring the vehicle to be designated a salvage vehicle, shall apply for a salvage title within 30 days after the title is assigned and delivered by the owner to the insurance company, with all liens released.
Notes: Pursuant to 8- 135c, we are compelled to apply for a Nonrepairable title for any vehicle we that we deem to be unsafe for rebuild and operation on roads. We are reliant on our interpretation and subjective discretion as to what can or should be safely rebuilt. Regarding other less-damaged vehicles, we are in theory required to secure a Salvage Title for all of them based on. 8-197(2)(C). On cosmetically damaged theft vehicles where the damage is less than 75% of the vehicle value, we are able to secure a Clean title on any late-model vehicles (6 years old or newer) as they were not declared total losses; For all vehicles that are not considered Nonrepairable or lightly cosmetically damaged, we shall secure a Salvage Title.
D-18
KENTUCKY
Kentucky Revised Statutes Title XVI Tile 186A http://www.lrc.ky.gov/KRS/186AOO/CHAPTER.HTM
186A.295 cannot be obtained through usual commercial repair services, at a cost less than its retail value as established from a value manual approved by the Department of Revenue, or from which two (2) or more parts which typically bear a vehicle identification number placed thereon by the manufacturer have been removed, or which he removes, shall surrender the certificate of title for such vehicle for which he has a certificate of title in his or another name ...
186A.510
(9) "Water damage" means damage to a motor vehicle caused by submerging or partially submerging the vehicle in water to the extent that the vehicle was submerged or partially submerged at any water level above the dashboard of the vehicle, regardless of the actual dol!ar amount of the damage.
186A.520 ( 1) Except as provided in KRS 186A.555, a salvage title shall be obtained by the owner of a motor vehicle that meets the following definition of a salvage vehicle: (a) A vehicle which has been wrecked, destroyed, or damaged, to the extent that the total estimated or actual cost of parts and labor to rebuild or reconstruct the vehicle to its preaccident condition and for legal operation on the roads or highways, not including the cost Of parts and labor to reinstall a deployed airbag system, exceeds seventy-five percent (75%} of the retail value of the vehicle, as set forth in a current edition of the National Automobile Dealer's Association price guide ...
186A.530
(4) The owner of a water damaged vehicle shall make application to the cabinet for a salvage certificate of title as provided for in KRS 186A.520. The owner of a vehicle with a brand from another jurisdiction identifying the vehicle as water damaged or other similar designation who is making application for a Kentucky title shall be issued a title with the words "water damaged" printed on the face of the title
(7) (a) When an insurance company makes a claim settlement on a vehicle that has been stolen and recovered, if the vehicle meets the definition of a salvage vehicle as set forth in KRS 186A.520, the company shall apply for a salvage certificate of title
Notes: In theory, when vehicle damages exceed 75% of the vehicle value, we are to apply for a salvage title. In practice, we apply for and receive a salvage title on other total losses, even when the damage is a lesser percentage of the vehicle value. Additionally, we are to seek the "water damaged" brand on vehicles what were damaged by flood or submersion. Kentucky Statute states "water damaged" vehicles are those that were flooded to the dashboard or higher. We may seek a salvage title on other (lower water-level) floods even if they do not meet the definition of "water damaged." One of two exceptions would be intact recovered thefts. 186A.530(7)(a) states that we are to apply for a salvage title on applicable recovered theft salvage vehicles; from the inverse of that, it can be inferred that we are not to apply for a salvage title if the damage does not meet the definition of a salvage vehicle. The other exception would be "junked vehicles" or those considered destroyed pursuant to 186A.295. In those instances, we are to surrender the title to the State (via county clerk) for cancellation. At that point, we may still liquidate the vehicle, but it is considered parts only and not a whole vehicle. We sell the "parts"
D-19
LOUISIANA
Louisiana Revised Statutes Title 32 Chapter 4 http://www. legis.state. la. us/lssllss. asp?doc=88513
RS 32:70 ... (4} "Certificate of destruction" means a type of certificate of title issued by the office of motor vehicles for a "water· damaged vehicle" other than an antique vehicle or a vehicle in excess of twenty thousand pounds gross vehicle weight rating (GVWR), whose power train, computer, or electrical system has been damaged by flooding as the result of a gubernatorially declared disaster or emergency and that is a "total loss" as defined in this Section. The certificate of destruction shall be reassignable a maximum of two times prior to dismantling or destruction of the vehicle
motor vehicle is a "total loss" motor vehicle as provided in this Chapter, to be prescribed and distributed by the office of motor vehicles, to an insurance company, its authorized agent, or the owner of a "total loss" motor vehicle. of the market value as determined by the most current National Automobile Dealers Association Handbook. However, a motor vehicle that sustains cosmetic damages caused by hail equivalent to seventy-five percent or more of its market value as a result of costs for repairs to items such as windshields, windows, and rear glass, exterior paint and paint materials, and body damage such as dents shall not be deemed a "total loss" and salvaged; however, such vehicles shall be issued a branded title indicating the vehicle has sustained hail damage.
(16) "Water-damaged vehicle" means any vehicle whose power train, computer, or electrical system has been damaged by flooding and that is a "total loss" as defined in this Section.
(0) A vehicle whose power train, computer, or electrical system has sustained water damage, but does notmeet the criteria for a salvaged vehicle or a certificate of destruction, shall be issued a branded title indicating the · vehicle has sustained water damage. (NOTE - this branding applies to vehicles damaged by water but otherwise are not a total loss salvage or certificate of destruction vehicle. This repairable vehicles suffering water damage shall be issued a branded title If they meet the criteria set forth In this section)
Louisiana Administrative Code Title 55 Part Ill Chapter 13 Subchapter B http://doa.loulsiana.gov/osr/lac/55v01/55v01 . pdf
§1333. Issuance A. Vehicles stolen and recovered without damage will not be issued a certificate of salvage. On a fotal loss due to theft, the certificate of title will be assigned from registered owner to insurance company and reassigned to buyer. B. Stolen vehicles recovered as a total loss due to extensive damage will be sold with a certificate of salvage ...
D-20
Notes: We are to apply for and receive a salvage title on vehicles we declare a total loss. There are statutory guidelines that compel us to total vehicles with damages greater than or equal to 75% of the vehicle value; however all vehicles we settle as Total Losses are issued a salvage title even if they do not meet the damage threshold.
There are three exceptions to this rule. The first are hail damaged vehicles, which receive a branded clean title and not a salvage title. The second are intact recovered thefts, which LAC excludes from the RS definition of Total Loss. The third are Certificates of Destruction, which are issued for vehicles damaged in catastrophe evens (i.e. Hurricanes Ike and Katrina).
Notably, there are various brands that may be issued on a title (Hail, Flood, Water, Katrina, etc.) but those are not addressed In the statutes; they appear to be additions by the regulating authority as they are not addressed in the
D-21
Maine
Salvage "Salvage vehicle" means a vehicle that, by reason of its condition or circumstance, is declared a total loss by an insurer or owner or is transferred to a recycler or salvage dealer, or a vehicle for which a certificate of salvage has been issued.
A salvage vehicle sold or displayed for sale at an auction or insurance salvage pool must be accompanied by a valid certificate of salvage at the time of its sale or display for sale.
Reference Maine State Code 29-A §602 & 29-A §664-A
D-22
MARYLAND
2010 Maryland Code TRANSPORTATION http://law. j us ti a .com/codes/maryland/201 O/transportation/
Title 11 Subtitle 1 § 11-152 (a) In general.- "Salvage" means any vehicle that:
(2) Has been acquired by an insurance company as a result of a claim settlement; or
Title 13 Subtitle 5 § 13-506 (b) Requirements.- The Administration shall issue a salvage certificate: (1) To an insurance company or its authorized agent that: (i) Is licensed to insure automobiles in this State; (ii) Acquires a vehicle as the result of a claim settlement; and (iii) Within 10 days after the date of settlement, applies for a salvage certificate as provided in subsection (c) of this section ·
Title 13 Subtitle 5 § 13-507 ... (c) Stolen vehicle.-(1) When an insurance company makes a claim settlement on a vehicle that has been stolen, the company shall apply for a salvage certificate as provided in§ 13-506(c) of this subtitle. (2) On receipt of an application under this subsection, the Administration: (i) Shall make the appropriate notation in Its records; and (ii) May not issue the salvage certificate until the vehicle is recovered. (3) When a vehicle that has been stolen Is recovered, the Administration shall: (i) Issue a salvage certificate for the vehicle if the insurance company submits a certification under§ 13-506(c)(2)(ii)1 , 2, 4, or 5 of this subtitle; or (ii) Issue a certificate of title in the name of the insurance company in lieu of a salvage certificate if the insurance company states that the vehicle has sustained damage, except for flood damage, that costs 75% or less than the fair market value of the vehicle to repair ...
Notes: Vehicles we declare total losses are defined as Salvage, and we are required to apply for Salvage Certificates for them. There may be additional brands placed on the certificate based on the damage declared on our application (i.e. Flood). We may also apply for a (clean) certificate of title in lieu of the salvage In cases of recovered stolen vehicles where the damage is less than 75% of the vehicle value.
D-23
Massachusetts
Salvage wrecked, destroyed or damaged by collision, fire, water, or other occurrence to such an extent that the owner or if the vehicle was insured, the insurer, considers it uneconomical to repair the vehicle and because of this, the vehicle is not repaired by or for the person who owned the vehicle at the time of the event resulting in such damage. No salvage title need be obtained for: (6) passenger vehicles ten or more years old
Reference Massachusetts State Code Chapter 900, Section 1 & Chapter 900, Section 20B
D-24
MICHIGAN
Michigan Vehicle Code Section 257.217c http://www.legislature.mi.gov/%28S%282rx2rs45mcxenp55kyorryvv%29%29/mileg.aspx?page=get0bject&object Name=mcl-257-217c
(2) Except for a late model vehicle that has been stolen and recovered and that has no major component part removed, missing, or destroyed, or damaged and not salvageable, an insurance company licensed to conduct business in this state that acquires ownership of a late model vehicle through the payment of a claim shall proceed under either of the following: (a) If the insurance company acquires ownership of the vehicle through payment of a claim, the owner of the vehicle shall assign the certificate of title to the insurance company which shall do all of the following: (i) Surrender a properly assigned certificate of title to the secretary of state. (ii) If the estimated cost of repair, including parts and labor, is equal to or more than 75% but less than 91 % of the predamaged actual cash value of the vehicle, apply for a salvage certificate of title, and if the estimated cost of repair, including parts and labor, is equal to or greater than 91 % of the predamaged actual cash value of the vehicle, apply for a scrap certificate of title. The insurance company shall not sell the vehicle without first receiving a salvage or scrap certificate of title, which shall be assigned to the buyer. An insurance company may assign a salvage or scrap certificate of the title only to an automotive recycler, used or secondhand vehicle parts dealer, foreign salvage vehicle dealer, or vehicle scrap metal processor.
Notes: On vehicles where the damages are less than or equal to 91% of the value, we are to apply for a Salvage title. It appears as if vehicles with damages of 75% or less of the vehicle value are exempt from the salvage title, but this is not accurate as "The insurance company shall not sell the vehicle without first receiving salvage or scrap certificate of title" so at a minimum a salvage must be secured. Vehicles with damages greater than 91 % of vehicle value are issued a Scrap title. Intact recovered thefts with minimal damage are exempt form salvage or
D-25
MINNESOTA
2010 Minnesota Code Chapters 160 - 174A Transportation Chapter 168A Vehicle Titles http://law.justia.com/codes/minnesota/2010/160-174A/168A/168A 151.html
168A.01 DEFINITIONS. Subd. Ga.High-value vehicle. "High-value vehicle" means a vehicle manufactured six or more years before the start of the current model year that had an actual cash value in excess of $5,000 before being damaged, or a vehicle with a manufacturer's rating of over 26,000 pounds gross vehicle weight.
Subd. Ba.Late-model vehicle. "Late-model vehicle" means a vehicle manufactured in the current model year or the five model years immediately preceding the current model year.
168A.151 SALVAGE TITLE; JUNKING CERTIFICATE. Subdivision 1. Salvage titles. (a) When an insurer, licensed to conduct business in Minnesota, acquires ownership of a late-model or highvalue vehicle through payment of damages, the insurer shall immediately apply for a salvage certificate of title or shall stamp the existing certificate of tltle with the legend "SALVAGE CERTIFICATE OF TITLE" in a manner prescribed by the department. Within 48 hours of taking possession of a vehicle through payment of damages, an insurer must notify the department in a manner prescribed by the department.
Notes: Any vehicles we declare a total loss that are ulate model" or "high value" (as defined above) are required to be stamped "Salvage" before sale. In practice, all vehicles are stamped Salvage regardless of vehicle age or value. There is also a reference to a junking certificate; however in practice we are not obligated to apply for it. The buyer of our salvage should secure the junking certificate if they acquire a vehicle that is not to be repaired.
D-26
MISSISSIPPI
2010 Mississippi Code TITLE 63 Chapter 21 63-21-33 http://law.justia.com/codes/mississippi/201 O/title-63/21163-21-33/
An insurance company which obtains title to a motor vehicle as a result of paying a total loss claim resulting from collision, fire, flood or other cause shall obtain a salvage certificate of title in its name for such vehicle from the State Tax Commission. The provisions of this subsection shall not apply to vehicles ten (10) years old or older with a value of One Thousand Five Hundred Dollars ($1,500.00) or less, or to vehicles with damage which requires the replacement of five (5) or fewer minor components, which such insurer may dispose of by endorsing change in ownership on the certificate of title using space reserved for reassignment of title by licensed dealer without obtaining a salvage certificate of title.
Title Type: HAIL Vehicles that are totaled due to hail damage will have their title stamped "HAIL." To obtain a Hail Title the following must be provided: 1. Statement requesting hail title on company letterhead, 2. Form 78-002 with "Hail" box selected, 3. Current title signed over to insurer, 4. Form 78-900, and 5. $9 title application fee.
Notes: We are required to apply for a salvage title for any vehicle we declare a total loss and pay, except vehicles 10 years or older and ACV below $1500, or those with vehicles with damage to 5 or fewer components. In practice, we secure a salvage title on all vehicles regardless of age and ACV, except for our intact recovered thefts with minimal or no damage.
D-27
MISSOURI
Missouri Revised Statutes Chapter 301 Registration and Licensing of Motor Vehicles htto://www.moga.mo.gov/slatutes/C301 .HTM
Section 301.010
(22) "Junk vehicle", a vehicle which is incapable of operation or use upon the highways and has no resale value except as a source of parts or scrap, and shall not be titled or registered;
(52) "Salvage vehicle", a motor vehicle, semitrailer, or house trailer which: ... (c) Has been declared salvage by an insurance company as a result of settlement of a claim; ...
Section 301.227 1. Whenever a vehicle is sold for salvage, dismantling or rebuilding, the purchaser shall forward to the director of revenue within ten days the certificate of ownership or salvage certificate of title and the proper application and fee of eight dollars and fifty cents, and the director shall issue a negotiable salvage certificate of title to the purchaser of the salvaged vehicle ...
2. Whenever a vehicle is classified as "junk", as defined in section 301.010, the purchaser may forward to the director of revenue the salvage certificate of title or certificate of ownership and the director shall issue a negotiable junking certificate to the purchaser of the vehicle
a stolen vehicle may apply for and shall be issued a negotiable salvage certificate of title without the payment of any fee upon proper application within thirty days after settlement of the claim for such stolen vehicle. However, if the insurance company upon recovery of a stolen vehicle determines that the stolen vehicle has not sustained damage to the extent that the vehicle would have otherwise been declared a salvage vehicle pursuant to subdivision (51) of section 301.010, then the insurance company may have the vehicle inspected by the Missouri state highway patrol, or other law enforcement agency authorized by the director of revenue, in accordance with the inspection provisions of subsection 9 of section 301.190. Upon receipt of title application, applicable fee, the completed inspection, and the return of any previously issued negotiable salvage certificate, the director shall issue an original title with no salvage or prior salvage designation. Upon the issuance of an original title the director shall remove any indication of the negotiable salvage title previously issued to the insurance company from the department's electronic records.
Notes: We are to secure salvage on all total losses except for those we subjectively declare unsafe for or incapable of highway operation which require a junk title. The exceptions are intact recovered thefts, which may have the title reversed upon a law enforcement inspection.
D-28
Montana
Salvage "Salvage vehicle" means a motor vehicle damaged by collision, tire, flood, accident, trespass, or other occurrence to the extent that the owner, an insurer, or another person acting on behalf of the owner determines that the cost of parts and labor makes it uneconomical to repair the vehicle. An insurer acquiring ownership of a motor vehicle that is less than 15 years of age and that the insurer determines to be a salvage vehicle shall surrender the certificate of title to the department within 15 days after acquiring the certificate of title.
Reference Montana State Code 61 -3-210 & 61-3-211
D-29
Nebraska
Salvage A salvage vehicle is a vehicle that is a late model vehicle that has been wrecked, ~amaged, or destroyed to the extent that the estimated total cost of repair to rebuild and restore the vehicle to its condition immediately before it was damaged exceeds 75% of the retail value of the vehicle at the time it was damaged. This includes vehicle's damaged by flood. Flood-damaged means a vehicle that was submerged in water to the point that rising water reached over the floorboard, entered the passenger compartment and caused damage to any electrical, computerized or mechanical components. The "flood-damaged" designation does not apply when an insurance claim representative or a vehicle repairer inspects the vehicle and indicates it: (i) has no electrical, computerized or mechanical components damaged by water; or (ii) had one or more electrical, computerized or mechanical components damaged by water and all such damaged components were repaired or replaced.
Late model vehicle is a vehicle that: is 7 years old or less, as determined by the manufacturer's model year designation, or; has a retail value of more than $11, 000 until January 1, 2015.
Cost of repairs: The estimated or actual retail cost of parts needed to repair a vehicle, plus the cost of labor computed by using an hourly labor rate and time that are customary and reasonable. Retail cost of parts and labor rates may be based upon collision estimating manuals or electronic computer estimating systems customarily used in the automobile insurance industry.
Reference http://www.dmv.ne.gov/dvr/mvtitles/salvage.html
-
I I I
I
D-30
New Hampshire
Salvage Any insurance firm or representative thereof who shall declare a motor vehicle other than an exempt vehicle as provided in RSA 261 :3 as having been a total loss shall make application for a salvage certificate of title within 20 days of the total Joss payment.
A total loss vehicle shall mean either an unrecovered stolen vehicle or a damaged vehicle: - That is determined to be physically or economically impractical to repair in connection with an insurance claim settlement; or - For which the cost of repairing the vehicle is 75 percent or more of its fair market value prior to the vehicle being damaged, if the damage occurs during its model year or the 4 subsequent calendar years. The total cost of repairing the vehicle shall not include the cost of repairing, replacing, or reinstalling inflatable safety restraints, tires, or entertainment systems.
Any motor vehicle whose manufacturer's model year is older than 15 years, except heavy trucks and trucktractors whose gross vehicle weight exceeds 18,000 pounds.
Reference New Hampshire State Code 261:3 & 261 :22
D-31
New Jersey
Salvage Whenever a motor vehicle is reported as being stolen or is damaged to such an extent that it is economically impractical to repair such motor vehicle, the owner, insurer or person in possession of the certificate of ownership shall, within 1 O working days after the motor vehicle was reported as stolen or damaged, or within 10 working days after settling a total loss insurance claim, surrender the certificate of ownership for such motor vehicle to the Commission. Upon surrender of the certificate of ownership, a salvage certificate of title shall be issued to the owner of the salvage motor vehicle.
A certificate of ownership without a salvage designation shall be issued to the owner of the following motor vehicles: - A stolen motor vehicle that is subsequently recovered and which has not sustained damage to such an extent that it has been rendered economically impractical to repair, provided that the recovered stolen motor vehicle does not have a missing, altered or damaged vehicle identification number or plate. - A stolen motor vehicle that is subsequently recovered with a missing, altered or damaged vehicle identification number or plate after determination at a State inspection that such recovered motor vehicle is not a stolen motor vehicle, provided such vehicle has not sustained damage to such an extent that it has been rendered economically impractical to repair.
Reference . New Jersey State Code 13:21-22
D-32
New Mexico
Salvage - Other than a nonrepairable vehicle, of a type subject to registration that has been wrecked, destroyed or damaged excluding, pursuant to rules issued by the department, hail damage, to the extent that the owner, leasing company, financial institution or the insurance company that insured or is responsible for repair of the vehicle considers it uneconomical to repair the vehicle and that is subsequently not repaired by or for the person who owned the vehicle at the time of the event resulting in damage; or - That was determined to be uneconomical to repair and for which a total loss payment is made by an insurer, whether or not the vehicle is subsequently repaired, if, prior to or upon making payment to the claimant, the insurer obtained the agreement of the claimant to the amount of the total loss settlement and informed the claimant that, pursuant to rules of the department, the title must be branded and submitted to the department for issuance of a salvage certificate of title for the vehicle
Non-Repairable - Has no resale value except as a source of parts or scrap metal or that the owner irreversibly designates as a source of parts or scrap metal or for destruction; - Has been substantially stripped as a result of theft or is missing all of the bolts on sheet metal body panels, all of the doors and hatches, substantially all of the interior components and substantially all of the grill and light assemblies and has little or no resale value other than its worth as a source of a vehicle identification number that could be used illegally; or - Is a substantially burned vehicle that has burned to the extent that there are no more usable or repairable body or interior components, tires and wheels or drive train components or that the owner irreversibly designates for destruction or as having little or no resale value other than its worth as a source of scrap metal or as a source of a vehicle identification number that could be used illegally.
Reference New Mexico State Code 66-1-4.12 & 66-1-4.16
D-33
New York
Salvage Every title shall bear the brand "REBUILT SALVAGE" and the abbreviation "NY'' if the vehicle is eight model years old or newer on the date of loss and tilled in New York after any one of the following has occurred: - The vehicle has been wrecked, destroyed or damaged to the extent that the total estimated or actual cost of parts and labor to rebuild or reconstruct the vehicle to its pre-accident condition, and for legal operation on the road or highways, exceeds 75 percent of the retail value of the vehicle at the time of loss as set forth in a current nationally recognized compilation of retail values.
Theft No title will be branded if the vehicle is a theft recovery for which the insurance company sends the commissioner a statement on letterhead stationery asserting that the vehicle was recovered with no damage or with damage which does not exceed 75 percent of the retail value at the time of recovery, as set forth in a current nationally recognized compilation of retail values.
Reference New York State Code 15 CRR-NY 20.20
D-34
NORTH CAROLINA
General Statutes of North Carolina § 20-4.01 . Definitions. htt p://www.ncleg.net/gascri pts/statutes/statutelooku p. pl?statute=20-4. 01
(33) a. Flood Vehicle. -A motor vehicle that has been submerged or partially submerged in water to the extent that damage to the body, engine, transmission, or differential has occurred.
d. Salvage Motor Vehicle. -Any motor vehicle damaged by collision or other occurrence to the extent that the cost of repairs to the vehicle and rendering the vehicle safe for use on the public streets and highways would exceed seventy-five percent (75%) of its fair retail market value, whether or not the motor vehicle has been declared a total loss by an insurer. Repairs shall include the cost of parts and labor. Fair market retail values shall be as found in the NADA Pricing Guide Book or other publications approved by the Commissioner.
f. Junk Vehicle. -A motor vehicle which is incapable of operation or use upon the highways and has no resale value except as a source of parts or scrap, and shall not be titled or registered.
§ 20-109.1
(b) Transfer to Insurer. - If a salvage vehicle owner does not want to keep the vehicle, the owner must assign the vehicle's certificate of title to the insurer when the insurer pays the claim. The insurer must send the assigned title to the Division within 10 days after receiving it from the vehicle owner. The Division must then send the insurer a form to use to transfer title to the vehicle from the insurer to a person who buys the vehicle from the insurer. If the insurer sells the vehicle, the insurer must complete the form and give it to the buyer. If the buyer rebuilds the vehicle, the buyer may apply for a new certificate of title to the vehicle.
require surrender of the vehicle's certificate of title must send the title to the Division within 10 days after the vehicle enters this State. The Division and the person must then follow the procedures set in subsection (b) of this section.
Notes: Vehicles where the damage exceeds 75% of the vehicle value are required to be declared salvage. We are obligated to secure salvage titles on these vehicles, though in practice we salvage all total loss vehicles regardless of the estimate amount (i.e. it is less than 75% ). The salvage title may contain various brands (i.e. flood) depending on the nature or previous title/registration status of the vehicle.
The exceptions to salvage titling are those we subjectively deem "junk" vehicles, which are heavily damaged and declared incapable of operation, and recovered theft vehicles which are not required to be declared salvage until after they are recovered and damage examined (if the damage is nominal, we sell those on a clean title).
D-35
North Dakota
Salvage A vehicle must be branded as "salvage" when it has had damage that is in excess of 75% of the pre-damaged retail value according to the National Automobile Dealers Association Official Used Car Guide.
Standard Certificate of Title with "Previously Salvaged" brand If a vehicle for which a salvage certificate of title has been issued is reconstructed, a regular certificate of title may be obtained by completing an application for the certificate. The applicant shall include with the application a certificate of inspection in the form required by the department, the salvage certificate of title, and a five dollar fee. The department shall place on the regular certificate of title and on all subsequent certificates of title issued for the vehicle the words "previously salvaged" and a notation that damage disclosure information is available from the department
Reference http://www.dot.nd.gov/divisions/mv/docs/fag-damage-disclosure. pdf http://www.legis. nd.qov/assembly/63-2013/documents/13-8087-05000. pdf720130426144 750
D-36
OHIO
Ohio Revised Code Title 45 4505.11 http://codes.ohio.gov/orc/4505.11
paid an agreed price for the purchase of the motor vehicle to any insured or claimant owner, the insurance company shall receive the certificate of title and the motor vehicle and proceed as follows. Within thirty days, the insurance company shall deliver the certificate of title to a clerk of a court of common pleas and shall make application for a salvage certificate of title. The clerk shall issue the salvage certificate of title on a form, prescribed by the registrar, that shall be easily distinguishable from the original certificate of title and shall bear the same information as the original certificate of title except that it may bear a different number than that of the original certificate of title. Except as provided in division (C)(2) of this section, the salvage certificate of title shall be assigned by the insurance company to a salvage dealer or any other person for use as evidence of ownership upon the sale or other disposition of the motor vehicle, and the salvage certificate of title shall be transferrable to any other person. The clerk shall charge a fee of four dollars for the cost of processing each salvage certificate of title.
(2) If an insurance company considers a motor vehicle as described in division (C)(1) of this section to be impossible to restore for highway operation, the insurance company may assign the certificate of title to the motor vehicle to a salvage dealer or scrap metal processing facility and send the assigned certificate of title to the clerk of the court of common pleas of any county . The insurance company shall mark the face of the certificate of title "FOR DESTRUCTION" and shall deliver a photocopy of the certificate of title to the salvage dealer or scrap metal processing facility for its records.
Notes: Vehicles we settle as total losses due to the impracticality of repair are required to be declared Salvage and we are compelled to apply for a salvage title; unless we consider the vehicle impossible to restore for operation, in which instance we surrender the title "FOR DESTRUCTION" and sell it to a parts salvage dealer or scrap processor.
These guidelines allow us to sell intact recovered thefts on clean titles, as the Salvage determination is not
D-37
OKLAHOMA
Oklahoma Statutes Title 47 http://webserver1 .lsb.state.ok.us/OK Statutes/CompleteTitles/os47.rtf
§4 7-1105. Definitions A. As used in the Oklahoma Vehicle License and Registration Act: damaged by collision or other occurrence to the extent that the cost of repairing the vehicle for safe operation on the highway exceeds sixty percent (60%) of its fair market value, as defined by Section 1111 of this title, immediately prior to the damage. For purposes of this section, actual repair costs shall only include labor and parts for actual damage to the suspension, motor, transmission, frame or unibody and designated structural components; 2. "Rebuilt vehicle" means any salvage vehicle which has been rebuilt and inspected for the purpose of registration and title; 3. "Flood-damaged vehicle" means a salvage or rebuilt vehicle which was damaged by flooding or a vehicle which was submerged at a level to or above the dashboard of the vehicle and on which an amount of loss was paid by the insurer; 4. "Un recovered-theft vehicle" means a vehicle which has been stolen and not yet recovered; 5. "Recovered-theft vehicle" means a vehicle, including a salvage or rebuilt vehicle, which was recovered from a theft; and 6. "Junked vehicle" means any vehicle which is incapable of operation or use on the highway, has no resale value except as a source of parts or scrap and has an eighty percent (80%) loss in fair market value.
§4 7-1111 . Salvage Title
0. Any owner of a salvage or junked vehicle sh~ll submit the certificate of title to the Tax Commission or motor license agent for issuance of an appropriate title. Any holder of a certificate of title issued by this state, to a vehicle which no longer exists, shall surrender the certificate of title to the Tax Commission for cancellation.
Notes: The State of Oklahoma defines Salvage vehicles as ones whose damage exceeds 60% of the vehicle value. Additionally, we are to apply for a Junk title if a vehicle's damage exceeds 80% and the vehicle is incapable of operation. Note that not all vehicles with 80% damage are compelled to be junked, but only those incapable of operation.
The exceptions are Unrecovered Thefts, which are issued an Unrecovered Theft Vehicle title. At such time of vehicle recovery, we may apply for a Salvage or Junked or Recovered-Theft Vehicle title depending on the damage of the vehicle.
D-38
Oregon
Salvage Totaled Vehicle means: - A vehicle that is declared a total loss by an insurer that is obligated to cover the loss or that the insurer takes possession of or title to. - A vehicle that is stolen, if it is not recovered within 30 days of the date that it is stolen and if the loss is not covered by an insurer. - A vehicle that has sustained damage that is not covered by an insurer and that is such that the estimated cost to repair the vehicle is equal to at least 80 percent of the retail market value of the vehicle prior to the damage.
A salvage title is required when an insurer obtains the certificate of title form the owner of a vehicle that has been declared a total loss.
Reference Oregon State Code 801.527 & 819.016
D-39
PENNSYLVANIA
Title 75 VEHICLES http://www.legis.state.pa.us/WU01/Ll/Ll/CT/HTM/75/75.HTM
75-102
"Nonrepairable vehicle." An abandoned vehicle under paragraph ( 1 )(iii) of the definitions of "abandoned vehicle" which is incapable of safe operation for use on roadways or highways and which has no resale value except as a source of parts or scrap only, a salvage vehicle issued a nonrepairable or nonrebuildable vehicle document by another state or a vehicle which a salvor or vehicle salvage dealer designates as a source for parts or scrap or which the owner irreversibly designates as a source for parts or scrap. Such vehicles may not be issued a certificate of titre or certificate of salvage.
"Salvage vehicle." A vehicle which is inoperable or unable to meet the vehicle equipment and inspection standards under Part IV (relating to vehicle characteristics) to the extent that the cost of repairs would exceed the value of the repaired vehicle. The term does not include a vehicle which would qualify as an antique or classic vehicle except for its lack of restoration or maintenance.
75-1161 (a) General rule.--Except as provided in sections 1162 (relating to transfer to vehicle salvage dealer) and 1163 (relating to transfer to scrap metal processor), a person, including an insurer or self-insurer as defined in section 1702 (relating to definitions), who owns, possesses or transfers a vehicle located or registered in this Commonwealth which qualifies as a salvage vehicle shall make application to the department for a certificate of salvage for that vehicle.
Notes: We are to apply for a salvage title on vehicles we declare as total loss when the cost of repairs exceeds the repaired vehicle value. In practice we secure a Salvage Title on totals even if the estimate is less than the vehicle value. Additionally, we may apply for a Non repairable Vehicle certificate if we wish to designate the vehicle as a source of parts or scrap only (which presumably we would only do on vehicle we deem are not suitable for rebuild).
Intact Recovered thefts are not specifically named, but are not subject to these Salvaging as Identifying minimal
D-40
Rhode Island
Salvage state, that has been declared a total loss because of damage to that vehicle, in settlement of a claim for damage or theft shall within ten (10) days deliver to the division of motor vehicles the certificate of title of that vehicle and obtain a salvage certificate of title for that vehicle as prescribed for by the administrator of the division of motor vehicles.
Parts Only damage and is good for "parts only." Classification B indicates the vehicle has considerable damage but is considered repairable. It will be the responsibility of insurance companies to evaluate and classify salvage. The classification is subject to review and evaluation by the administrator of the division of motor vehicles or his or her designee.
Reference Rhode Island State Code 31-46-1 & 31-46-1.1
D-41
SOUTH CAROLINA
South Carolina Code of Laws Tille 56 Chapter 19 http ://www.scstatehouse.gov/code/t56c019. php
56-19-480
or other causes, or is left with the claimant after being declared a total loss by the insurance company, the company or its agent immediately shall deliver to the department the certificate of title together with a report indicating the type and severity of damage to the vehicle. At such time as the insurance company may thereafter transfer the damaged vehicle, the company or its agent shall notify the department to whom the transfer was made on a form prescribed by the department. Notwithstanding another provision of law, when an insurance company obtains title to a vehicle from settling a total loss claim, the insurance company may obtain a title to the vehicle designated as "salvage" ...
Notes: We are compelled to apply for Salvage titles for all total losses. In Practice, the State allows us to liquidate Intact Recovered Thefts as they are undamaged and not declared a total at time of recovery, and this Statute contextually requires us to apply for Salvage Titles on damaged total losses
D-42
South Dakota
Salvage Salvage vehicle, means any motor vehicle as defined in § 32-3-51.10 that an insurer or self insurer determines a total loss due to theft or to damage caused by fire, vandalism, collision, weather, submersion in water, or flood. This section does not apply to any motor vehicle more than ten model years old or with a gross vehicle weight rating of more than sixteen thousand pounds.
Junking Certificate A certificate of ownership, which may not be restored to a title document which allows highway use, issued by the department to the owner of a vehicle which is going to be dismantled and sold for parts.
Theft If a stolen vehicle is recovered, the insurer or self insurer shall, within thirty days of recovery, inspect the vehicle and apply for a title as follows: - If the vehicle has no damage or the damage is less than that defined in § 32-3-51 .8, surrender the existing salvage title to the department. The department shall promptly issue a title marked as a recovered theft with no damage disclosure notation pursuant to § 32-3-51 .8; or - If the vehicle has damage equal to or greater than that defined in § 32-3-51.8, surrender the existing salvage title to the department. The department shall promptly issue a title marked as a recovered theft with the damage disclosure notation pursuant to§ 32-3-51.8. - However, if the condition of the vehicle is such that it would have been determined a salvage vehicle as defined in § 32-3-51.19 due to the damage to the vehicle, the salvage title is retained and the insurer or self insurer is not required to apply for a title pursuant to this section.
Reference South Dakota State Code 32-3-51.19, 32-3-51 .22, & 32-3-1(5)
D-43
TENNESSEE
2010 Tennessee Code Tille 55 Chapter 3 Part 2 http:l/law.justia.com/codes/tennessee/2010/title-55/chapter-3/part-2/
55-3-120 ... (c) An insurance company that obtains title to a motor vehicle as a result of paying a total loss claim resulting from collision, fire, or water damage shall obtain a salvage title, flood title, or nonrepairable vehicle certificate from the department The provisions of this subsection (c) shall not apply to vehicles ten (10) years old or older with a value of one thousand five hundred dollars ($1,500) or less.TEXAS
55-3-211
roads or highways and which has no resale value except as a source of parts or scrap only or which the owner irreversibly designates as a source of parts or scrap. "Nonrepairable vehicle" includes, but is not limited to, any passenger motor vehicle which has sustained salt water damage as a result of salt water entering the passenger compartment. A nonrepairable vehicle shall be issued a nonrepairable vehicle certificate and shall never again be titled or registered;
(10) "Salvage vehicle" means any passenger motor vehicle which has been wrecked, destroyed, or damaged to the extent that the total estimated or actual cost of parts and labor to rebuild or reconstruct the passenger motor vehicle to its pre-accident condition and for legal operation on the roads or highways exceeds seventy-five percent (75%) of the retail value of the passenger motor vehicle ...
Notes: We are compelled to apply for a Salvage title or Nonrepairable Title on vehicles we declare a total loss where the damage exceeds 75% of the vehicle value, or vehicles that we deem incapable of safe operation respectively; in practice we also secure salvage titles on total losses with damage less that 75% of the vehicle value, save for Recovered Thefts.
In addition to the various title types, titles also receive various brands for types of damages we disclaim on our application; including Flood, Rebuilt, and Methamphetamine vehicle.
D-44
Exhibit #2 Presented By Bob Compan Farmers Group Inc.
D-45
2014 Lexus GS350 with no safety restraint components:
Total cost of repairs = $19,499.61 (high probability of supplement) ACV = $32,170 x 65% = $20,910.50 repairability threshold
Salvage quote = $11,000
Current application of NRS: cost of repairs, $19,499.61 less paint labor/materials, $1,924.20 less towing $371.50 = $17,203.91 (has not exceeded repairability threshold) Economic total loss formula: $19,499.61 +salvage quote $11,000 = $30,499.61 < ACV, $32,170 Recommended change in statute: cost of repairs, $19,499.61 < 80% of ACV $32,170 = $25,736
Scenario: 2015 Dodge Charge with many safety restraint component replacement:
Total cost of repairs= $14,589.83 ACV = $16,309 x 65% = $10,600.85 repairability threshold
Salvage quote= $7,000
Current application of NRS: cost of repairs, $14,589.83 less safety components, $2,319.00 less paint labor/materials, $1,277.40 = $10,993.43 is greater than repairability threshold, $10,600.85 Economic total loss formula : $14,589.83 + salvage quote $7,000 = $21,589.83 > ACV, $16,309 Recommended change in statute: cost of repairs, $14,589.83 > 80% of ACV, $16,309 = $13,047.20
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D-47
FARMERS INSURANCE EXCHANGE NEVADA CLAIMS SERVICE CENTER FOR SUPPLEMENTS PLEASE EMAIL
ADJUSTER
Supplement of Record 1 Summary
Written By: J; 1F • H, 03/07/2017 11:59:33 AM Adjuster : B&itl I, S'AltWl
Claim#: Workfile ID:
Insured: Owner Policy #: a a Claim #:
Type of Loss: COLL! - MD
07 Left Rear
Date of Loss: 02/26/2017 09:30 AM
500.00
Days to Repair: 12
Point of Impact:
Owner (Insured):
Sill I iii!
I ' - - - ...
Deductible:
Inspection Location:
SNAP TOWING SNAP TOWING 250 S WARM SPRINGS RD HENDERSON, NV 89011 Other (702) 564-1180 Day
Appraiser Information :
VEHICLE
2014 LEXU GS 350 RWD 40 SEO 6-3.5L Gasoline Port/Direct Injection BLACK
VIN:
License:
JTHBE1BL2E5029791
NV7344
Production Date:
Odometer:
10/2013
28966
Good State: NV Condition:
TRANSMISSION CONVENIENCE Search/Seek
Automatic Transmission Air Conditioning CD Player
POWER Intermittent Wipers Auxiliary Audio Connection
Power Steering Tilt Wheel Premium Radio
Power Brakes Cruise Control Satellite Radio
Power Windows Rear Defogger SAFETY
Power Locks Keyless Entry Drivers Side Air Bag
Power Mirrors Alarm Passenger Air Bag
Heated Mirrors Message Center Anti-Lock Brakes ( 4)
Power Driver Seat Steering Wheel Touch Controls 4 Wheel Disc Brakes
Power Passenger Seat Telescopic Wheel Front Side Impact Air Bags
Memory Package Climate Control Head/Curtain Air Bags
DECOR Backup Camera w/Parking Sensors Communications System
Dual Mirrors Home Link Hands Free Device
Aftermarket Film Tint RADIO Rear Side Impact Air Bags
Rear Power Sunshade AM Radio Blind Spot Detection
Console/Storage FM Radio ROOF
Overhead Console Stereo Electric Glass Sunroof
03/07/2017 11:59:34 AM 021051 I 1.6.07.08302
Repair Facility:
Interior Color:
Exterior Color:
SEATS
Bucket Seats
BLACK
BLACK
Reclining/Lounge Seats
Leather Seats
Heated Seats
Ventilated Seats
WHEELS
Aluminum/ Alloy Wheels
PAINT
Clear Coat Paint
OTHER
Fog Lamps
Traction Control
Stability Control
Rear Spoiler
Signal Integrated Mirrors
Xenon Headlamps
Power Trunk/Gate Release
555f83ed
Page 1
D-48
Claim#: 2222 I • Workfile ID: 555f83ed
Supplement of Record 1 Summary
2014 LEXU GS 350 RWD 4D SED 6·3.5L Gasoline Port/Direct Injection BLACK ~· · 'i1.· l ''!J!i"";,'rh,J,!. . . . .. . . . ·~c '(:.; •
'.I. ',~'- ' v . ~· Line Op er Description ··«.• Qty Extended Labor Paint Price$
1 INFORMATION LABELS
2 S01 Rep I Spare tire 1~~~1. 1 4.25 0.2
3 ELECTRICAL
4 SOl Rep I LT Sensor 919.46 m 0.3 M
5 EXHAUSJ.:S¥STEM · ·• 'J'I . -·~· .. 'iii .~-.· ·•· 6 SOl Rep I LT Muffler & pipe w/o hybrid 489.04 m 0.6 M
7 * SOl R&I RT Muffler & pipe w/o hybrid m M M
8 * SOl Rep I LT Muffler & pipe gasket 10.00
9 SOl Rep I LT Heat shield muffler & pipe w/o hybrid 1 67.33 0.2
-~·· · 10 . '*"' SOl Rep I RT Muff!e_r & p ipe gasket <" 1 • 10.00
11 SEATS & 'f'RACKS ;,, ~
12; SOl R&I R&I rear seat Ind. -)! .. 13 ROOF
14 * SOl Rpr RT Outer rail 0.5 1.6
15 * SOl Rpr LT Outer rail Q.,,5 1.6 -16 PILLARS, ROCKER & FLOOR
17 * SOl Rpr RT Ctr plr & rocker {HSS) s .Ll! 2.4
18 * SOl Rpr LT Ctr plr & rocker (HSS) s .Ll! 2.4
19 SOl Overlap_ Major ~on-Adj. Panel -0.2
20 QUARTER PANEL
21 Rep I LT Quarter panel 743.54 19.5 3.4
22 Deduct for Rear Bumper R&I -1.6
23 Rep I LT Wheelhouse liner 155.16 Ind.
24 R&I Fuel door Incl.
25 Bind Fuel door 0.2
26 Rep I LT Pressure vent 1 19.88 0.1
27 SOl Rep I RT Quarter panel 743.54 19.0 3.4
28 SOl Overlap Major Adj. Panel -0.4
29 SOl Deduct for Rear Bumper R&I -1.6
30 S01 Deduct for Back Glass R&I -2.4
N 31 # S01 Rpr Set up and Measure - Rack 4.0 F
32 # S01 Rpr Structural realignment 4.0 F
33 S01 Rep I RT Wheelhouse liner 155.16 Incl.
34 * SOl Rpr RT Outer wheelhouse 0.5 0.5
35 SOl Rep I LT Outer wheelhouse 1 226.57 4.8 1.2
36 SOl Rep I LT Inner panel rear 1 75.94 2.2 0.5
37 SOl Overlap Minor Panel -0.2
38 * SOl Rpr RT Inner panel rear 0.5 0.5
39 SOl Overlap Minor Panel -0.2
40 FUEL SYSTEM
41 S01 R&I R&I fuel tank m 4.7 M
03/07/2017 11:59:34 AM 021051 I 1.6.07.08302 Page 2
D-49
Supplement of Record 1 Summary
2014 LEXU GS 350 RWD 40 SED 6-3.SL Gasoline Port/Direct Injection BLACK
42 # 501 Drian Refill Tank
43 REAR SUSPENSION
44
4S
501 R&I R&I susp crossmember as an assy
46 #
47 #
501 Repl Bleed brake system
501 5ubl 4 Wheel Alignment
501 Fluids - Brake
48 REAR BODY & FLOOR
49
so
Sl #
S2
53
S4
SS
501 Repl Rear crossmember
501 Overlap Minor Panel
501 R&I Moldules and Harness
Repl Rear body panel (STL)
Overlap Major Adj. Panel
Add for Inside
Deduct for Overlap
S6 Repl Rear floor pan w/o active stabilizer to 12/14
57
58
S9
60
61
62
63
64
6S
66
67
68
69
70
71
72 * 73
74 * 75
76
77
78
79
80 * 81
501 Overlap Major Non-Adj. Panel
Repl LT Extension panel w/o hybrid
501 Overlap Minor Panel
Repl LT Rail assy w/o hybrid (H55)
Overlap Major Non-Adj. Panel
Deduct for Overlap
Repl LTTrunk side trim
Repl Rear panel trim
501 Repl RT Rear floor pan side bracket
501 Repl LT Rear floor pan side bracket
501 Repl Rear floor pan center bracket
501 Repl RT Trunk side trim
501 Repl RT Rear rail (HSS)
501 Overlap Minor Panel
501 Deduct for Overlap
501 Rpr Crossmember
501 Overlap Minor Panel
501 Rpr Center floor pan w/o hybrid
501 Overlap Major Non-Adj. Panel
501 Repl Jack carrier
501 Repl Floor mat w/temporary spare
501 Repl LT Tray
501 Repl LT Box
501 Rpr Package tray (5TL)
501 Overlap. Major Non-Adj. Panel
82 TRUNK LID
83 501 Repl Lock assy
84 501 . .. Repl Striker
85 REAR LAM PS
03/07/2017 ll:S9:34 AM 021os1 I 1.6.07.08302
1
1
1
1
1
1
1
1
1
1
Claim # :
Workfile ID:
m
m
125.00 x 8.SO
187.99
429.43
30S.70
129.71
333.92 s
389.SS
219.20
23.8S
35.Sl
61.S8
418.67
190.88 s
23.8S
133.83
60.35
162.S6
68S.SO
23.44
03322 • S55f83ed 1
1.0 M
5.0 M
0.5 M
3.0
2.0
I ncl.
-3.0
lS.O
2.0
8.0
-0.9
Incl.
Incl.
Incl.
4.S
-0.9
2.0
0.1
0.1
0.1
l,Q
0.3
0.2
0.9
-0.2
1.8
-0.4
0.9
1.S
-0.2
0.8
-0.2
1.0
-0.2
0.7
-0.2
0.7
-0.2
1.6
-0.2
1.2
-0.2
Page 3
D-50
Claim#:
Workfile ID: 555f83ed '
Supplement of Record 1 Summary -w. .. ':!·
2014 LEXU GS 350 RWD 4D SED 6-3.SL Gasoline Port/Direct Injection BLACK
86 * Rep I RCY LT Lens & housing + 25% 1 218.75 lU 87 ** Rep I Opt OEM LT Lens & housing 1 179.53 Incl.
88 R&I RT Lens & housing 0.3
89 REAR BUMPER
90 O/H rear bumper 2.8
91 ** <> Rep I Opt OEM Bumper cover w/park sensors 394.16 Incl. 3.0
92 Overlap Major Non-Adj. Panel -0.2
93 Add for reverse sens 0.4
94 Clear Coat 2.5
95 Rep I Energy absorber 1 44.27 Incl.
96 ** Rep I Opt OEM Impact bar (ALU) 1 243. 17 0.5
97 Rep I LT Mount bracket 1 48.86 0.1
98 * Rep I Park sensor black 4 1,050.84 0.1 0.0
99 Repl Harness 1 57.24 Incl.
100 Rep I Park sensor clip 1 2.07
101 * Rep I Park sensor retainer all 8.61 0.0
102 Rep I LT Upper support 1 52.94 0.1
103 Rep I Valance panel w/o F Sport w/o hybrid 1 233.14 Incl.
104 SO! Rep I Prep unprimed bumper 1 0.8
105 ** SO! Rep I Opt OEM RT Mount bracket 1 57.90 0.1
106 # Cover Car 1 2.00 0.2
107 # Corrosion Protection - *** 5.00
108 # Flex Additive 5.00
109 # Hazardous Waste 1 4.50
110 ** SOl Rep I Opt OEM RT Upper support 1 45.00 0.1
111 ** SO! Rep I Opt OEM RT Lower support 1 53.38
112 ** SOl Rep I Opt OEM RT Exhaust duct 121.25 Incl.
113 ** SOl Rep I Opt OEM LT Exhaust duct 1 128.83 Ind.
114 # SO! D&R Battery 1 0.2
115 # SO! Wet Sand, Rub Out, and/or Buff (PER MOTOR 1 2.0 GUIDE)
116 # SOl Seam Sealer 1 15.00
117 # SO! Mask for Overspray - Interior Compartment 1 0.3
118 # 501 Panel Bonding Kit 1 20.00
119 OTHER CHARGES
120 # 501 Towing 371.50
SUBTOTALS 10,931.83 108.1 33.9
NOTES
Line 31: Celette Bench
03/07/2017 11:59:34 AM 021051 I 1.6.07.08302 Page 4
D-51
Claim #:
Workfile ID:
Supplement of Record 1 Summary
2014 LEXU GS 350 RWD 40 SEO 6-3.5L Gasoline Port/Direct Injection BLACK
03/07/2017 11:59:34 AM
ESTIMATE TOTALS Category
Parts
Body Labor
Paint Labor
Mechanical Labor
Frame Labor
Paint Supplies
Miscellaneous
Other Charges
Subtotal
Sales Tax
Total Cost of Repairs
Deductible
Total Adjustments
Net Cost of Repairs
021051 I 1.6.07.08302
Basis
87.4 hrs @
33.9 hrs @
12.7 hrs @
8.0 hrs @
$ 10,835.33 @
I
I I
7 I
· ·~ · 2 ., • I ~ - 555f83ed
I r I
Rate Cost$
10,435.33
$ 44.00 /hr 3,845.60
$ 44.00 / hr 1,491.60
$ 125.00 /hr 1,587.50
$ 45.00 /hr 360.00
400.00
125.00
371.50
18,616.53
8. 1500 % 883 .08
19,499.61
500.00
500.00
18,999.61
Page 5
D-52
Claim#: R .... Workfile ID: SSSf83ed
Supplement of Record 1 Summary
2014 LEXU GS 3SO RWD 4D SED 6-3.SL Gasoline Port/Direct Injection BLACK
SUPPLEMENT SUMMARY
Line Oper Description Qty Extended Labor Paint Price $
Changed Items
1 Rep I LT Sensor -919.46 m -0.3
4 SOl Rep I LT Sensor 1 919.46 m 0.3 M
6 R&I Fuel door -0.1
24 SOl R&I Fuel door Incl.
11 # Rpr Set up and Measure - Rack -2.0 F
N 31 # SOl Rpr Set up and Measure - Rack 4.0 F
12 # Rpr Structural realignment -1.S F
32 # SOl Rpr Structural realignment 4.0 F
17 Deduct for Overlap 1.S
SS SOl Deduct for Overlap -3.0
Deleted Items
10 * Rpr RT Quarter panel -3.0 -2.6
11 Overlap Major Adj. Panel 0.4
21 Overlap Minor Panel 0.2
Added Items
1 INFORMATION LABELS
2 SOl Rep I Spare tir~ label 4.2S 0.2
s EXHAUST SYSTEM
6 SOl Rep I LT Muffler & pipe w/o hybrid 1 489.04 m 0.6 M
7 * SOl R&I RT Muffler & pipe w/o hybrid m Q.§ M
8 * SOl Rep I LT Muffler & pipe gasket 1 10.00
9 SOl Rep I LT Heat shield muffler & pipe w/o hybrid 67.33 0.2
10 * SOl Rep I RT Muffler & pipe gasket 10.00
11 SEATS & TRACKS
12 SOl R&I R&I rear seat Incl.
13 ROOF
14 * SOl Rpr RT Outer rail .Q,,.2 1.6
lS * SOl Rpr LT Outer rail .Q,,.2 1.6
16 PILLARS, ROCKER & FLOOR
17 * SOl Rpr RT Ctr plr & rocker (HSS) s .l...Q 2.4
18 * SOl Rpr LT Ctr plr & rocker (HSS) s 1.0 2 .4
19 SOl Overlap Major Non-Adj. Panel -0.2
27 SOl Rep I RT Quarter panel 743.S4 19.0 3.4
28 SOl Overlap Major Adj. Panel -0.4
29 SOl Deduct for Rear Bumper R&I -1.6
30 SOl Deduct for Back Glass R&I -2.4
33 SOl Rep I RT Wheelhouse liner lSS.16 Incl.
34 * SOl Rpr RT Outer wheelhouse Q,5 o.s
3S SOl Rep I LT Outer wheelhouse 1 226.S7 4.8 1.2
03/07/2017 ll:S9:34 AM 021os1 I 1.6.07.08302 Page 6
D-53
Claim # : • .!.. ~) ? .,. Workfile ID: sssf83ed •·
Supplement of Record 1 Summary
2014 LEXU GS 350 RWD 4D SED 6-3.SL Gasoline Port/Direct Injection BLACK
36 SOl Rep I LT Inner panel rear 75.94 2.2 0.5
37 SOl Overlap Minor Panel -0.2
38 * SOl Rpr RT Inner panel rear 0.5 0.5
39 SOl 9verlap !'linor ~~nel -0.2 -· - ·-· '
40 FUEL SYSTEM
41 SOl R&I R&I fuel tank m 4.7 M
42 # SOl Drian Refill Tank 1.0 M ... .. 43 REAR SUSPENSION
44 SOl R&I R&I susp crossmember as an assy m 5.0 M
45 SOl Rep I Bleed brake system 1 m 0.5 M
46 # SOl Sub I 4 Wheel Alignment 1 125.00 x 47 # SOl Fluids - Brake 8.50
49 501 Rep I Rear crossmember 187.99 3.0 0.9
so 501 Overlap Minor Panel -0.2
51 # SOl R&I Moldules and Harness 2.0
57 SOl Overlap Major Non-Adj. Panel -0.2
59 SOl Overlap Minor Panel -0.2
65 SOl Rep I RT Rear floor pan side bracket 23.85
66 SOl Rep I LT Rear floor pan side bracket 1 35.51
67 SOl Rep I Rear floor pan center bracket 1 61.58
68 SOl Rep I RT Trunk side trim 1 418.67 Incl.
69 SOl Repl RT Rear rail (HSS) 1 190.88 s 4.5 0.7
70 SOl Overlap Minor Panel -0.2
71 SOl Deduct for Overlap -0.9
72 * 501 Rpr Crossmember 2.0 0.7
73 SOl Overlap Minor Panel -0.2
74 * 501 Rpr Center floor pan w/o hybrid 3.0 1.6
75 SOl Overlap Major Non-Adj. Panel -0.2
76 SOl Rep I Jack carrier 1 23.85
77 SOl Rep! Floor mat w/temporary spare 1 133.83 0.1
78 501 Rep I LT Tray 1 60.35 0.1
79 SOl Rep I LT Box 162.56 0.1
80 * SOl Rpr Package tray (STL) bQ 1.2
81 501 Ove.r1a.P. Major Non.-A~j . Panel -0.2
82 TRUNK LID
83 501 Rep I Lock assy 685.50 0.3
84 SOl Rep I Striker 1 23.44 0.2
104 SOl Rep I Prep unprimed bumper 1 0.8
105 ** SOl Rep I Opt OEM RT Mount bracket 1 57.90 0.1
110 ** SOl Rep I Opt OEM RT Upper support 1 45.00 0.1
111 ** SOl Repl Opt OEM RT Lower support 1 53.38
112 ** SOl Rep I Opt OEM RT Exhaust duct 1 121.25 Incl.
113 ** 501 Rep I Opt OEM LT Exhaust duct 1 128.83 Incl.
114 # 501 D&R Battery 0.2
03/07/2017 11:59:34 AM 021051 I t.6.07.08302 Page 7
D-54
··-Claim #: a ···· r"s
Workfile ID: 555f83ed
Supplement of Record 1 Summary
2014 LEXU GS 350 RWD 40 SEO 6-3.5L Gasoline Port/Direct Injection BLA.CK
115 # SOl Wet Sand, Rub Out, and/or Buff (PER MOTOR 1 2.0 GUIDE)
116 # SOl Seam Sealer 1 15.00
117 # SOl Mask for Overspray - Interior Compartment 1 0.3
118 # SOl Panel Bonding Kit 1 20.00
OTHER CHARGES
Added Items
# SOl Towing 1 371.50
SUBTOTALS 4,736.20 55.8 17.6
NOTES
Line 31: Celette Bench
TOTALS SUMMARY Category Basis Rate Cost$
Parts 4,239.70
Body Labor 38.6 hrs @ $ 44.00 / hr 1,698.40
Paint Labor 17.6 hrs @ $ 44.00 / hr 774.40
Mechanical Labor 12.7 hrs @ $ 125.00 /hr 1,587.50
Frame Labor 4.5 hrs @ $ 45.00 /hr 202.50
Paint Supplies 18.7 hrs @ $ 30.00 /hr 561.00
Additional Supplement Materials/Supplies -561.00
Miscellaneous 125.00
Other Charges 371.50
Subtotal 8,999.00
Sales Tax $ 4,239.70 @ 8.1500 % 345.54
Total Supplement Amount 9,344.54
NET COST OF SUPPLEMENT 9,344.54
03/07/2017 11:59:34 AM 021051 I 1.6.07.08302 Page 8
D-55
.-.,._ ,t':#, .. !.: ~ '· • . .... ~
Claim#:
Workfile ID: 555f83ed I
Supplement of Record 1 Summary
2014 LEXU GS 350 RWD 40 SEO 6-3.5L Gasoline Port/Direct Injection BLACK
CUMULATIVE EFFECTS OF SUPPLEMENT(S)
Estimate 10,155.07 !Ill I~~ ~~~-Supplement 501 9,344.54 AU Sa I
Workfile Total: $ 19,499.61
TOTAL ADJUSTMENTS: $ 500.00
NET COST OF REPAIRS: $ 18,999.61
THIS REPAIR ESTIMATE MAY SPECIFY THE USE OF QUALITY REPLACEMENT PARTS. QUALITY REPLACEMENT PARTS ARE PARTS NOT MANUFACTURED BY OR FOR THE ORIGINAL EQUIPMENT MANUFACTURER. YOUR INSURANCE COMPANY WILL STAND BEHIND THE QUALITY REPLACEMENT PARTS SPECIFIED ON THIS ESTIMATE AND USED IN THE REPAIR OF YOUR VEHICLE, FOR AS LONG AS YOU OWN/LEASE THE VEHICLE. YOUR INSURANCE COMPANY WARRANTS THESE PARTS ARE OF LIKE KIND, QUALITY, FIT AND PERFORMANCE TO PARTS MANUFACTURED BY OR FOR THE ORIGINAL EQUIPMENT MANUFACTURER.
THIS WARRANTY EXCLUSIVELY COVERS LOSS OR DAMAGE THAT IS RELATED TO DEFECTS IN THE QUALITY REPLACEMENT PART. THIS WARRANTY DOES NOT COVER DAMAGE OR PART FAILURE DUE TO IMPROPER INSTALLATION, MISUSE, NEGLECT, ABUSE, IMPROPER MAINTENANCE, ABNORMAL OPERATION, OR NORMAL WEAR AND TEAR.
SHOULD A SUPPLIER OF A PART SPECIFIED IN THE REPAIR ESTIMATE, OR THE REPAIR FACILITY THAT PERFORMS THE REPAIR ON YOUR VEHICLE, BE UNABLE TO RESOLVE A LEGffiMATE COMPLAINT ABOUT THE QUALITY REPLACEMENT PART USED IN THE REPAIR, YOUR INSURANCE COMPANY WILL MAKE EVERY EFFORT TO SEE THAT THE PROBLEM IS CORRECTED.
THIS QUALITY REPLACEMENT PARTS WARRANTY AND ANY REPRESENTATIONS MADE HEREIN ARE NON-TRANSFERABLE AND EXTEND ONLY TO THE PARTY OWNING/ LEASING THE VEHICLE AT THE TIME OF THE REPAIR.
FOR ASSISTANCE, PLEASE CONTACT YOUR INSURANCE COMPANY'S NEAREST CLAIM DEPARTMENT OFFICE.
DISCLAIMER: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT INSURANCE CLAIM FOR THE PAYMENT OF A LOSS MAY BE GUILTY OF A CRIME AND MAY BE SUBJECT TO FINES AND CONFINEMENT IN STATE PRISON.
THE LABOR AND TAX RATES USED WERE DETERMINED BY THE VEHICLE INSPECTION LOCATION UNLESS THE REPAIR FACILITY WAS KNOWN AT THE TIME OF THE INSPECTION OR ANOTHER LOCATION WAS SPECIFIED BEFORE THE ESTIMATE WAS PREPARED.
THIS IS NOT AN AUTHORIZATION TO REPAIR.
TO ENSURE REPAIRS WILL BE COMPLETED BASED ON THIS ESTIMATE; PLEASE PROVIDE A COPY TO THE REPAIR FACILITY PRIOR TO AUTHORIZING REPAIRS. FAILURE TO DO SO MAY RESULT IN YOU BECOMING RESPONSIBLE FOR PAYING UNAPPROVED EXPENSES.
NO PAYMENT FOR A SUPPLEMENT WILL BE APPROVED OR ISSUED UNLESS THE REPAIRS WERE AUTHORIZED
03/07/2017 11:59:34 AM 021051 I 1.6.07.08302 Page 9
1·
I I I I I I D-56
Claim # : 12221 .117 Workfile ID: 555f83ed
Supplement of Record 1 Summary
2014 LEXU GS 350 RWD 40 SED 6-3.SL Gasoline Port/Direct Injection BL.ACK
PRIOR TO COMPLETING THE SUPPLEMENTAL REPAIRS.
REPAIR FACILITY: PLEASE USE CCC'S OPEN SHOP TO SUBMIT SUPPLEMENTS. IF YOU DO NOT HAVE OPEN.:?HOP, PLEASE CONTACT THE ADJUSTER THAT COMPLETED THE ORIGINAL ESTIMATE FOR SUPPLEMENT SUBMJ$SlON INSTRUCTIONS.
POTENTIALLY, A REINSPECTION MAY BE CONDUCTED. ALL SUPPLEMENTS MUST BE APPROVED BY A CLAIMS REPRESENTATIVE BEFORE REPAIRS ARE COMPLETED.
TO EXPEDITE THE HANDLING OF ANY SUPPLEMENTAL DAMAGES CLAIM, PLEASE ACCESS HTTP://WWW.THESHOPOFCHOICE.COM/FARMERS. IF YOU NEED TECHNICAL ASSISTANCE REGISTERING OR UPLOADING ATTACHMENTS, CONTACT NUGEN IT CUSTOMER SUPPORT AT (913) 754 - 5250 BETWEEN 7 AM AND 7 PM CENTRAL TIME. POTENTIALLY, A REINSPECTION MAY BE NECESSARY. ALL SUPPLEMENTS MUST BE APPROVED BY A CLAIMS REPRESENTATIVE BEFORE REPAIRS ARE COMPLETED.
"If the above estimate includes a NAPA part price, the repair facility must complete a one time set up with their local NAPA retailer in order to receive the special "Farmers Preferred Parts Program" pricing. To accomplish set up, contact your local NAPA retailer and ask them to insert billing code number 9066 into your customer billing profile. The 9066 code will enable your repair facility to receive special pricing on all NAPA parts and/or supplies purchased. If you do not already have a local NAPA retailer account, please call 1-800 LET-NAPA for your nearest NAPA location."
Estimate calculated using a preset user threshold amount for the paint and material cost.
03/07/2017 11:59:34 AM 021051 I 1.6.07.08302 Page 10
D-57
Claim #: a f 11 a Workfile ID: 55Sf83ed .
Supplement of Record 1 Summary
2014 LEXU GS 350 RWD 40 SEO 6-3.SL Gasoline Port/Direct Injection BLACK
Estimate based on MOTOR CRASH ESTIMATING GUIDE and potentially other third party sources of data. Unless otherwise noted, (a) all items are derived from the Guide ARB8947, CCC Data Date 02/14/2017, and potentially other third party sources of data; and (b) the parts presented are OEM-parts manufactured by the vehicles Original Equipment Manufacturer. OEM parts are available at OE/Vehicle dealerships. OPT OEM (Optional OEM) or ALT OEM (Alternative OEM) parts are OEM parts that may be provided by or through alternate sources other than the OEM vehicle dealerships. OPT OEM or ALT OEM parts may reflect some specific, special, or unique pricing or discount. OPT OEM or ALT OEM parts may include "Blemished" parts provided by OEM's through OEM vehicle dealerships. Asterisk (*) or Double Asterisk (**) indicates that the parts and/or labor data provided by third party sources of data may have been modified or may have come from an alternate data source. Tilde sign("') items indicate MOTOR Not-Included Labor operations. The symbol ( <>) indicates the refinish operation WILL NOT be performed as a separate procedure from the other panels in the estimate. Non-Original Equipment Manufacturer aftermarket parts are described as Non OEM, A/M or NAGS. Used parts are described as LKQ, RCY, or USED. Reconditioned parts are described as Recond. Recored parts are described as Recore. NAGS Part Numbers and Benchmark Prices are provided by National Auto Glass Specifications. Labor operation times listed on the line with the NAGS information are MOTOR suggested labor operation times. NAGS labor operation times are not included. Pound sign(#) items indicate manual entries.
Some 2017 vehicles contain minor changes from the previous year. For those vehicles, prior to receiving updated data from the vehicle manufacturer, labor and parts data from the previous year may be used. The CCC ONE estimator has a list of applicable vehicles. Parts numbers and prices should be confirmed with the local dealership.
The following is a list of additional abbreviations or symbols that may be used to describe work to be done or parts to be repaired or replaced:
SYMBOLS FOLLOWING PART PRICE: m=MOTOR Mechanical component. s=MOTOR Structural component. T=Miscellaneous Taxed charge category. X=Miscellaneous Non-Taxed charge category.
SYMBOLS FOLLOWING LABOR: D= Diagnostic labor category. E=Electrical labor category. F=Frame labor category. G=Glass labor category. M= Mechanical labor category. S=Structural labor category. (numbers) 1 through 4=User Defined Labor Categories.
OTHER SYMBOLS AND ABBREVIATIONS: Adj.=Adjacent. Algn.=Align. ALU=Aluminum. A/ M=Aftermarket part. Blnd= Blend. BOR= Boron steel. CAPA=Certified Automotive Parts Association. D&R=Disconnect and Reconnect. HSS=High Strength Steel. HYD=Hydroformed Steel. Incl.=Included. LKQ=Like Kind and Quality. LT= Left. MAG=Magnesium. Non-Adj.=Non Adjacent. NSF= NSF International Certified Part. O/H=Overhaul. Qty=Quantity. Refn=Refinish. Repl=Replace. R&I= Remove and Install. R&R=Remove and Replace. Rpr=Repair. RT= Right. SAS=Sandwiched Steel. Sect=Section. Subl=Sublet. UHS= Ultra High Strength Steel. N=Note(s) associated with the estimate line.
CCC ONE Estimating - A product of CCC Information Services Inc.
The following is a list of abbreviations that may be used in CCC ONE Estimating that are not part of the MOTOR CRASH ESTIMATING GUIDE: BAR=Bureau of Automotive Repair. EPA=Environmental Protection Agency. NHTSA= National Highway Transportation and Safety Administration. PDR=Paintless Dent Repair. VIN=Vehicle Identification Number.
03/07/2017 11:59:34 AM 021os1 I 1.6.07.08302 Page 11
D-58
Claim#:
Workfile ID: 555f83ed
Supplement of Record 1 Summary
2014 LEXU GS 350 RWD 4D SEO 6-3.5L Gasoline Port/Direct Injection BLACK .... •' ·:~~ ._. ·. • ALTERNATE PARTS SUPPLIERS
line Supplier Description Price
86 All Star Auto Lights && Salvage #00026086 $ 175.00
Sales Team RCY LT Lens & housing +25%
5952 Jasmine Street LTTAIL LAMP-LH,000,BARE,LID - DECKLID MOUNTED, L.
Riverside CA 92504
(877) 602-5578
87 Platinum Auto Trends Inc. #GEU3412D-32003 $ 179.53
Valerie Altamirano Opt OEM LT Lens & housing
14434 Best Avenue
Santa Fe Springs CA 90670
(562) 903-7295
91 OEM Surplus Parts #52159-30964 $ 394.16
Kevin Ngo Opt OEM Bumper cover w/park sensors
1421 Railroad St
Glendale CA 91204
(818) 839-5718 ,1
96 OEM Surplus Parts #52023-30371 $ 243.17
Kevin Ngo Opt OEM Impact bar (ALU)
1421 Railroad St
Glendale CA 91204
(818) 839-5718
105 Platinum Auto Trends Inc. #GEU3412D-12404 $ 57.90
Valerie Altamirano Opt OEM RT Mount bracket
14434 Best Avenue
Santa Fe Springs CA 90670
(562) 903-7295
110 Platinum Auto Trends Inc. #GEU3412D-12304 $ 45.00
Valerie Altamirano Opt OEM RT Upper support
14434 Best Avenue
Santa Fe Springs CA 90670
(562) 903-7295
111 Platinum Auto Trends Inc. #GEU3412D-12609 $ 53.38
Valerie Altamirano Opt OEM RT Lower support
14434 Best Avenue
Santa Fe Springs CA 90670
(562) 903-7295
112 OEM Surplus Parts #52106-30110 $ 121.25
03/07/2017 11:59:34 AM 021051 I 1.6.07.08302 Page 12
D-59
Supplement of Record 1 Summary
2014 LEXU GS 350 RWD 4D SEO 6-3.5L Gasoline Port/Direct Injection BLACK
113
Kevin Ngo
1421 Railroad St
Glendale CA 91204
(818) 839-5718
Platinum Auto Trends Inc.
Valerie Altamirano
14434 Best Avenue
Santa Fe Springs CA 90670
(562) 903-7295
03/07/2017 11:59:34 AM
Opt OEM RT Exhaust duct
#GEU3412D-10103
Opt OEM LT Exhaust duct
021051 I 1.6.07.08302
Claim#: ... Workfile ID: 555f83ed
$ 128.83
Page 13
D-60
/ Supplement of Record 1 Summary
2014 LEXU GS 350 RWD 40 SEO 6-3.5L Gasoline Port/Direct Injection BLACK
ALTERNATE PARTS USAGE
2014 LEXU GS 350 RWD 40 SEO 6-3.5L Gasoline Port/ Direct Injection BLACK
VIN:
License:
State:
JTHBE1BL2ES029791
NV7344
NV
Alternate Part Type
Aftermarket
Optional OEM
Reconditioned
Recycled
03/07/2017 11:59:34 AM
Production Date:
Odometer:
Condition:
10/2013
28966
Good
# Of Available Parts
1
9
2
0
021051 I 1.6.07.08302
Claim #:
Workfi le ID:
Interior Color:
Exterior Color:
BLACK
BLACK
# Of Parts Selected
0
8
0
1
555f83ed
Page 14
D-61
"'
crJj=O E .. MARKET VALUATION SUMMARY Prepared for FARMERS INSURANCE EXCHANGE
r? REPORT SUMMARY
~' CLAIM INFORMATION
Owner
Loss Vehicle
Loss Incident Date
Claim Reported
~ INSURANCE INFORMATION
Report Reference Number
Claim Reference
Adjuster
Odometer
Last Updated
~ VALUATION SUMMARY
Base Vehicle Value
Adjusted Vehicle Value
Total
°p'g!' ;; a
PPEP913 02/28/2017
83872778
• 02/28/2017 11 :38 AM
$ 32,170.00
$ 32,170.00
$ 32, 170.00
The total may not represent the total of the settlement as other factors (e.g. license and
fees) may need to be taken into account.
© Copyright 201 6 CCC Information Services Inc. All Rights Reserved .
The CCC ONE® Market Valuation
Summary reflects CCC Information
Services lnc.'s opinion as to the value
of the loss vehicle, based on information
provided to CCC by FARMERS
INSURANCE EXCHANGE.
Loss vehicle has 20% fewer than
average mileage of 36,400.
BASE VEHICLE VALUE
This is derived from comparable
vehicle(s) available or recently available
in the marketplace at the time of
valuation, per our valuation methodology
described on the next page.
ADJUSTED VEHICLE VALUE
This is determined by adjusting the
Base Vehicle Value to account for the
actual condition of the loss vehicle and
certain other reported attributes, if any,
such as refurbishments and after factory
equipment.
Inside the Report
Valuation Methodology .............. ............... 2
Vehicle lnformation ............ .. ........ ............. 3
Vehicle Condition ..... ........ ......................... 6
Comparable Vehicles ............ ................... 7
Page 1 of 8
D-62
cr..£,r=ONE. MARKET VALUATION SUMMARY Claim· ???? I
VALUATION METHODOLOGY How was the valuation determined?
CLAIM INSPECTION . 4
FARMERS INSURANCE EXCHA~E has provided CCC with the zip code where the loss vehicle
is garaged, loss vehicle VIN, mileag~, equipment, as well as loss vehicle condition, which is used to
assist in determining the value of the loss vehicle.
When a valuation is created the database is searched and
comparable vehicles in the area are selected. The zip code
where the loss vehicle is garaged determines the starting point
for the search. Comparable vehicles are similar to the loss
vehicle based on relevant factors.
CALCULATE BASE VEHICLE VALUE
DATABASE REVIEW
. -_ ,i:CC maintains an extensive database of vehicles that currently are
$ or recently were available for sale in the U.S. This database includes
vehicles that CCC employees have physically inspected, as well as
vehicles advertised for sale by dealerships or private parties. All of
these sources are updated regularly.
Adjustments to the price of the selected comparable vehicles are made to reflect
differences in vehicle attributes, including mileage and options. Dollar adjustments are
based upon market research.
Finally, the Base Vehicle Value is the weighted average of the adjusted values of the
comparable vehicles based on the following factors:
• Source of the data (such as inspected versus advertised)
• Similarity (such as equipment, mileage, and year)
• Proximity to the loss vehicle's primary garage location
• Recency of information
©Copyright 2016 CCC Information Services Inc. All Rights Reserved. Page 2 of 8
D-63
cr~=10NE. MARKET VALUATION SUMMARY
bij VEHICLE INFORMATION VEHICLE DETAILS
Location
VIN
Year
Make
Model
Body Style
Body Type
Engine -
Cylinders
Displacement
Fuel Type
Carburation
Transmission
Curb Weight
LAS VEGAS, NV 89147
JTHBE1BL2E5029791
2014
Lexus
GS 350
RWD
Sedan
6
3.5L
Gasoline
PorUDirect Injection
Automatic Transmission
37951bs
© Copyright 2016 CCC Information Services Inc. All Rights Reserved.
I Owne-.1111° =· ·::::r=7~ Clai .... • a. ,,
Q .,,
Vehicles sold in the United States
are required to have a manufacturer
assigned Vehicle Identification
Number(VIN). This number provides
certain specifications of the vehicle .
Please review the information in the
Vehicle Information Section to confirm
the reported mileage and condition.
and to verify that the information
accurately reflects the options,
additional equipment, refurbishments
or other aspects of the loss vehicle that
may impact the value.
Page 3 of 8
D-64
cr~~ONE. MARKET VALUATION SUMMARY
6ij VEHICLE INFORMATION VEHICLE EQUIPMENT
Package 1: F Sport
Odometer 28,966
Transmission Automatic Transmission .,, Power Power Steering .,,
Power Brakes .,, Power Windows .,, Power Locks .,, Power Mirrors .,, Power Driver Seat .,, Power Passenger Seat .,, Power Trunk/Gate Release .,,
Decor/Convenience Air Conditioning .,, Climate Control .,, Tilt Wheel .,, Cruise Control .,, Rear Defogger .,, Intermittent Wipers .,, Console/Storage .,, Overhead Console .,, Memory Package .,, Keyless Entry .,, Telescopic Wheel .,, Message Center .,, Home Link .,, Rear Power Sunshades m
Seating Bucket Seats m Reclining/Lounge Seats .,, Leather Seats .,, Heated Seats .,, Ventilated Seats G
Radio AM Radio .,, FM Radio .,,
© Copyright 2016 CCC Information Services Inc. All Rights Reserved.
To the left is the equipment of the loss
vehicle that FARMERS INSURANCE
EXCHANGE provided to CCC.
../ Standard This equipment is
included in the base configuration of
the vehicle at time of purchase.
El Additional Equipment that is not
Standard but was noled to be on the
loss vehicle.
Page 4 of 8
D-65
crJ:,110NE_ MARKET VALUATION SUMMARY 1~0====-
6ij VEHICLE INFORMATION VEHICLE EQUIPMENT
Stereo .,, Search/Seek .,, CD Player .,, Steering Wheel Touch Controls .,, Auxiliary Audio Connection .,, Premium Radio El Satellite Radio .,,
Wheels Aluminum/Alloy Wheels .,, Roof Electric Glass Roof .,, Safety/Brakes Air Bag (Driver Only) .,,
Passenger Air Bag .,, Anti-lock Brakes (4) .,, 4-wheel Disc Brakes .,, Front Side Impact Air Bags .,, Head/Curtain Air Bags .,, Backup Camera WI Parking .,, Sensors
Rear Side Impact Air Bags .,, Communications System .,, Hands Free .,, Xenon Headlamps .,, Alarm .,, Traction Control .,, Stability Control .,, Blind Spot Detection El
Exterior/Paint/Glass Dual Mirrors .,, Heated Mirrors .,, Aftermarket Film Tint El Fog Lamps .,, Rear Spoiler El Signal Integrated Mirrors .,, Clearcoat Paint .,,
© Copyright 2016 CCC Information Services Inc. All Rights Reserved. Page 5 of 8
D-66
cr~~ONE.. MARKET VALUATION SUMMARY
tij VEHICLE CONDITION COMPONENT CONDITION
Condition
Mechanical NORMAL
Body/Glass NORMAL
Paint NORMAL
Interior NORMAL
Tires NORMAL
Inspection Notes Value Impact
Belts and hoses firm, normal wear $ 0
Ding on right rear door, Glass has light $ 0
pitting. Normal wear
Minor swril marks, normal wear
Carpets, seats and headliner are clean,
normal wear.
tires at 7/32nds, normal wear.
$0
$0
$0
I s: s::: i.563 s i2J s •
FARMERS INSURANCE EXCHANGE
uses condition inspection guidelines
to determine the condition of key
components of the loss vehicle prior
to the loss. The guidelines describe
physical characteristics for these key
components, for the cond ition selected
based upon age. Inspection Notes
reflect observations from the appraiser
regarding the loss vehicle's condition.
CCC makes dollar adjustments that
reflect the impact the reported condition
[j~iitjij~ifiiij~~~~mL=======~==========~·~' J has on the value of the loss vehicle as
©Copyright 2016 CCC Information Services Inc. All Rights Reserved.
compared to Normal condition. These
dollar adjustments are based upon
interviews with dealerships across the
United States.
Page 6 of 8
D-67
crJ:,lilONE_ MARKET VALUATION SUMMARY
~COMPARABLE VEHICLES
~j COMPARABLE VEHICLES
Source
Comp1
Source: Autotrader
Lexus Of Las Vegas
Las Vegas, NV
(702) 942-6605
3 Miles From Las Vegas, NV
Comp2
Source: Autotrader
Lexus Of Las Vegas
Las Vegas, NV
(702) 942-6605
3 Miles From Las Vegas, NV
Comp3
Source: Autotrader
Lexus Of Las Vegas
Las Vegas, NV
(702) 942-6605
3 Miles From Las Vegas, NV
Comp4
Source: Dealer Ad
Auto Market
Las Vegas, NV
(240) 264-6393
3 Miles From Las Vegas, NV
Comps
Vehicle
2014 Lexus Gs 350 Rwd 6
3.51 Gasoline Port/direct
Injection
Odometer: 26,659
VIN: JTHBE1BL8E5034476
Stock #: PL 17007
Obtained Date: 02/28/201 7
Updated Date: 01 / 10/2017
2014 Lexus Gs 350 Rwd 6
3.51 G asoline Port/direct
Injection
Odometer: 25,534
V IN: JTHBE1 BL5E5044172
Stock#: 9011 E7
Obtained Date: 02/28/2017
Updated Date: 01/30/201 7
2014 Lexus Gs 350 Rwd 6
3.51 Gasoline Port/direct
Injection
Odometer: 24,056
VIN: JTHBE1BL9E5031683
Stock #: PL 17010
Obtained Date: 02/28/2017
Updated Date: 01/12/2017
2014 Lexus Gs 350 Rwd 6
3.51 Gasoline Port/direct
Injection
Odometer: 21,345
Stock#: 13819466
Obtained Date: 02/28/201 7
Updated Date: 01 /03/2017
© Copyright 2016 CCC Information Services Inc. All Rights Reserved .
Adjusted Comparable
Price Value
$ 34,491
(List)
$ 35,991
(List)
$ 34,491
(List)
$ 32,998
(List)
$ 34,221
$ 35,555
$ 33,840
$ 31,965
Comparable vehicles used in the
determination of the Base Vehicle Value
are not intended to be replacement
vehicles but are reflective of the market
value, and may no longer be available
for sale.
List Price is the sticker price of an inspected dealer vehicle and the
advertised price for the advertised
vehicle.
Take Price is the amount that the
dealership will accept to sell the
inspected vehicle, though a lower price
may be obtainable through negotiation.
Distance is based upon a straight line
between loss and comparable vehicle
locations.
Adjusted Comparable Value
represents the price of the comparable
vehicle with adjustments for options,
mileage, condition, and year/model/trim
as compared to the loss vehicle.
A condition adjustment is also made to
set the comparable vehicle to Normal
condition, which the loss vehicle is also
compared to in the Vehicle Condition
section.
Page 7 of 8
I l
D-68
O-~i=ONE MARKET VALUATION SUMMARY ~
~ COMPARABLE VEHICLES
~'Q COMPARABLE VEHICLES Source: Autotrader 2014 Lexus Gs 350 Rwd 6 $ 33,399 Centennial Toyota 3.51 Gasoline Port/direct (List)
Las Vegas, NV Injection
(866) 664-1 815 Odometer: 28,547
11 Miles From Las Vegas, NV VIN: JTHBE1BL3E5031565
Stock #: 00370029 Obtained Date: 02/28/2017
Updated Date:-02/07/2017
Comp6
Source: Autotrader 2014 Lexus Gs 350 Rwd 6 $ 29,900
Team Ford Lincoln 3.51 Gasoline Port/direct (List)
Las Vegas, NV Injection
(702) 395-5100 Odometer: 28,887
10 Miles From Las Vegas, NV VIN: JTHBE1 BL2E5042671
Stock #: 0054067A
Obtained Date: 02/28/2017 Updated Date: 02/17/201 7
©Copyright 2016 CCC Information Services Inc. All Rights Reserved.
$ 33,41 3
$29,166
Page 8 of 8
D-69
Exhibit #3 Presented By Bob Compan Farmers Group Inc.
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D-71
FARMERS INSURANCE EXCHANGE NEVADA CLAIMS SERVICE CENTER
FOR SUPPLEMENTS EMAIL ADJUSTER
Estimate of Record
Written By: JARED BEDICH, 03/16/2017 2:24:42 PM Adjuster M F 8
Claim#: Workfile ID:
Insured: C9TH5?P' 1 Owner Policy#: 0195405819
03/06/2017 01:30 PM
500,00
Claim#:
Type of Loss: COLLl - MD
11 Left Front
Date of Loss: Days to Repair: 20
Point of Impact:
Owner (Insured}:
Deductible:
Inspection Location:
E&E E&E 350 W WARM SPRINGS RD STE 110 HENDERSON, NV 89011 Other (702) 558-9674 Day
Appraiser Information:
VEHICLE
2015 DODG Charger SE RWD 40 SEO 6-3,6L Gasoline Sequential MPI grey
VIN: 2C3CDXBG2FH775879
51c071
Production Date: 10/2015
40849
Good
License: Odometer:
State: NV Condition:
TRANSMISSION CONVENIENCE Stereo
Automatic Transmission Air Conditioning Search/Seek
POWER Intermittent Wipers Auxiliary Audio Connection
Power Steering Tilt Wheel SAFETY
Power Brakes Cruise Control Drivers Side Air Bag
Power Windows Rear Defogger Passenger Air Bag
Power Locks Keyless Entry Anti-Lock Brakes ( 4)
Power Mirrors Message Center 4 Wheel Disc Brakes
Power Driver Seat Steering Wheel Touch Controls Front Side Impact Air Bags
DECOR Telescopic Wheel Head/Curtain Air Bags
Repair Facility:
Interior Color:
Exterior Color:
BLACK
grey
Reclining/ Lounge Seats
WHEELS
Aluminum/Alloy Wheels
PAINT
Clear Coat Paint
Metallic Paint
OTHER
Traction Control
Stability Control
California Emissions
£333£) 333 I I I lfde0a95
Dual Mirrors Oimate Control Hands Free Device Power Trunk/Gate Release
Aftermarket Film Tint RADIO SEATS
Console/Storage AM Radio Cloth Seats
Overhead Console FM Radio Bucket Seats
03/16/2017 2:24:42 PM 021051 ; 1.6,07,08302 Page 1
D-72
Claim# : &5311133 G I Workfile ID: lfde0a95
Estimate of Record
2015 DODG Charger SE RWD 4D SEO 6-3.6L Gasoline Sequential MP! grey ,: .... ~ . • illilo
Line Op er Description Qty Extended Labor Paint Price$
FRONT BUMPER
2 O/H front bumper 3.0
3 ** <> Rep/ RECOND Bumper cover ••• 505.00 I ncl. 3.4
4 ** Rep/ A/M AQRP Energy absorber 1 55.00 Incl.
5 ** q ·: ~ .'~'· ·.~ ~· Rrpl A~ CAPA Impact bar (UHS) 1 177.00 ~ 6 Rep! Bezel 1 27.00 Incl.
7 GRILLE
8 ** Rep/ A/AM Upper g~il~e w/o Police 1 261.00 Incl.
9 FRONT LAMPS . . . •. . . • . \~ . 10' ** Rep/ NM NSF LT Headlamp assy 1 .• ~. 850.00 0.3
· '"·*·u Aim hea~lan:ips ·• 0.5 ~ ,,, 12 FEND&jl
13 ** Rep I A/M CAPA LT Fender 209.00 1.6 2.0
14 Overlap Major Non-Adj. Panel -0.2
15 Add for Edging 0.5
16 Rep/ LT Fender liner 104.00 Incl.
17 Rep I LT Bumper bracket 42.95 s 0.8 0.3
18 * Rpr LT Outer rail (HSS) s 2.0 1.2
19 # Rpr Set up and Measure - Rack 2.0 F
20 # Rpr,, Structural r~a~nment 1.5 F
21 WHEELS
22 * Rep/ RCY LT/Front Wheel, alloy sales code WF5 +25% 1 163.31 m 0.3
23 * Rep!. RCY RT/Front Whee/,A alloy sales code WF5 +25% 1 163.31 m 0.3 -24 FRONT SUSPENSION
25 * Rep/ RCY Engine cradle +25% 1 462.50 m 23 M
26 Rep/ LT Knuckle w/o SRT8 1 572.00 m 2.0
27 # Sub/ 4 Whee} _AlignrT1~~~ 1 89.95 x 28 STEERING COLUMN
29 Rep/ Module steering column w/o power tilt w/o heated 407.00 m 0.7 _steeri_ng whl
30 WINDSHIELD
31 ** Sub I ALM Windshield wLo rain sensor, w[o humidity 262.67 T sensor olus kit
32 * Sub/ Windshield wlo rain sensor, wLo humidity sen~or 1 130.00 x Labor
33 INSTRUMENT PANEL
34 * Rep/ RCY i ~strument panel +25% 1 188.31 6.0 ... 35 RESTRAINT SYSTEMS
36 Rep/ Psngr air bag 1 617.00 m 0.5 M
37 Air bag system diagnosis m 0.5 M
38 Rep/ Driver air bag w/o SRT models 1 245.00 m 0.4 M
39 Rep/ Knee air bag 1 293.00 m 0.6 M
03/ 16/2017 2:24:42 PM 021051 I 1.6.07.08302 Page 2
D-73
Claim#:
Workfile ID: lfde0a95
Estimate of Record
2015 DODG Charger SE RWD 4D SED 6-3.6L Gasoline Sequential MPI grey
40 Rep I RT Head air bag 227.00 m 0.8 M
41 Rep I RT Ft impact sensor 87.75 m 0.3 M
42 Rep I LT Ft impact sensor 87.75 m 0.3 M
43 Rep I LT Side impact sens B-pillar 1 87.75 m 0.2 M
44 Rep I Control module 1 m 0.6 M
45 Rep I RT Retractor assy black 242.00 0.7
46 Rep I rr ~etra<=!or assy black 257.00 0.7
47 PILLARS, ROCKER & FLOOR
48 Rep I LT Aperture panel 1 574.00 s 19.5 4.4
49 Overlap. ~ajor f,ldj. P~~el -0.4
so FRONT DOOR
51 Rep I LT Door shell (HSS) 1 580.00 5.7 3.1
52 Overlap Major Adj. Panel -0.4
53 * Rep I RCY LT Power mirror w/o heat, w/o multifunction 120.00 Incl. granite +25%
54 ** Sub I A/M LT Door glass 1 UM§ T
55 * Sub I LT Door glass Labor 1 2Q,QQ x 56 # Sub I Window Tint 1 x 57 TIRES
58 * Rep I MICH 215/65R17 Energy Saver AS BW 98T 156.99 0.3
59 * ~~Pl. MICH 2.!_5/6SR17 Energy S~ver AS BW 9?,T . 156.99 0.3
60 REAR DOOR
61 * Rep I RCY LT door assy +25% 1 806.25 1.6 3.2
62 Overlap Major Adj. Panel -0.4
63 Clear Coat 2.5
64 # Cover Car 2.00 0.2
65 # Corrosion Protection - *** 5.00
66 # Flex Additive 1 5.00
67 # Hazardous Waste 4.50
SUBTOTALS 9,423.44 61.4 19.2
03/16/2017 2:24:42 PM 021os1 I 1.6.07.08302 Page 3
D-74
Estimate of Record
2015 DODG Charger SE RWD 40 SEO 6-3.6L Gasoline Sequential MPI grey
03/16/2017 2:24:42 PM
ESTIMATE TOTALS Category
Parts
Body Labor
Paint Labor
Mechanical Labor
Frame Labor
Paint Supplies
Miscellaneous
Subtotal
Sales Tax
Total Cost of Repairs
Deductible
Total Adjusbnents
Net Cost of Repairs
021051 I 1.6.07.08302
Claim#:
Workfile ID:
Basis
47.2 hrs @
19.2 hrs @
10.7 hrs @
3.5 hrs @
$ 9,543.49 @
Rate
$ 44.00 /hr
$ 44.00 /hr
$ 85.00 /hr
$ 45.00 /hr
8.1500 %
• ,, I
lfde0a95
Cost$
9,143.49
2,076.80
844.80
909.50
157.50
400.00
279.95
13,812.04
777.79
14,589.83
500.00
500.00
14,089.83
Page 4
D-75
Claim#: a Workfile ID: lfde0a95
Estimate of Record
2015 DODG Charger SE RWD 40 SEO 6-3.6L Gasoline Sequential MPI grey
THIS REPAIR ESTIMATE MAY SPECIFY THE USE OF QUALITY REPLACEMENT PARTS. QUALITY REPLACEMENT PARTS ARE PARTS NOT MANUFACTURED BY OR FOR THE ORIGINAL EQUIPMENT MANUFACTURER. YOUR INSURANCE COMPANY WILL STAND BEHIND THE QUALITY REPLACEMENT PARTS SPECIFIED ON THIS ESTIMATE AND USED IN THE REPAIR OF YOUR VEHICLE, FOR AS LONG AS YOU OWN/LEASE THE VEHICLE. YOUR INSURANCE COMPANY WARRANTS THESE PARTS ARE OF LIKE KIND, QUALITY, FIT AND PERFORMANCE TO PARTS MANUFACTURED BY OR FOR THE ORIGINAL EQUIPMENT MANUFACTURER.
THIS WARRANTY EXCLUSIVELY COVERS LOSS OR DAMAGE THAT IS RELATED TO DEFECTS IN THE QUALI1Y REPLACEMENT PART. THIS WARRANTY DOES NOT COVER DAMAGE OR PART FAILURE DUE TO IMPROPER INSTALLATION, MISUSE, NEGLECT, ABUSE, IMPROPER MAINTENANCE, ABNORMAL OPERATION, OR NORMAL WEAR AND TEAR.
SHOULD A SUPPLIER OF A PART SPECIFIED IN THE REPAIR ESTIMATE, OR THE REPAIR FACILITY THAT PERFORMS THE REPAIR ON YOUR VEHICLE, BE UNABLE TO RESOLVE A LEGITIMATE COMPLAINT ABOUT THE QUALITY REPLACEMENT PART USED IN THE REPAIR, YOUR INSURANCE COMPANY WILL MAKE EVERY EFFORT TO SEE THAT THE PROBLEM IS CORRECTED.
THIS QUALITY REPLACEMENT PARTS WARRANTY AND ANY REPRESENTATIONS MADE HEREIN ARE NON-TRANSFERABLE AND EXTEND ONLY TO THE PARTY OWNING/ LEASING THE VEHICLE AT THE TIME OF THE REPAIR.
FOR ASSISTANCE, PLEASE CONTACT YOUR INSURANCE COMPANY'S NEAREST CLAIM DEPARTMENT OFFICE.
DISCLAIMER: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT INSURANCE CLAIM FOR THE PAYMENT OF A LOSS MAY BE GUILTY OF A CRIME AND MAY BE SUBJECT TO FINES AND CONFINEMENT IN STATE PRISON.
THE LABOR AND TAX RATES USED WERE DETERMINED BY THE VEHICLE INSPECTION LOCATION UNLESS THE REPAIR FACILI1Y WAS KNOWN AT THE TIME OF THE INSPECTION OR ANOTHER LOCATION WAS SPECIFIED BEFORE THE ESTIMATE WAS PREPARED.
THIS IS NOT AN AUTHORIZATION TO REPAIR.
TO ENSURE REPAIRS WILL BE COMPLETED BASED ON THIS ESTIMATE; PLEASE PROVIDE A COPY TO THE REPAIR FACILITY PRIOR TO AUTHORIZING REPAIRS. FAILURE TO DO SO MAY RESULT IN YOU BECOMING RESPONSIBLE FOR PAYING UNAPPROVED EXPENSES.
NO PAYMENT FOR A SUPPLEMENT WILL BE APPROVED OR ISSUED UNLESS THE REPAIRS WERE AUTHORIZED PRIOR TO COMPLETING THE SUPPLEMENTAL REPAIRS.
REPAIR FACILITY: PLEASE USE CCC'S OPEN SHOP TO SUBMIT SUPPLEMENTS. IF YOU DO NOT HAVE OPEN SHOP, PLEASE CONTACT THE ADJUSTER THAT COMPLETED THE ORIGINAL ESTIMATE FOR SUPPLEMENT SUBMISSION INSTRUCTIONS.
POTENTIALLY, A REINSPECTION MAY BE CONDUCTED. ALL SUPPLEMENTS MUST BE APPROVED BY A CLAIMS REPRESENTATIVE BEFORE REPAIRS ARE COMPLETED.
Estimate calculated using a preset user threshold amount for the paint and material cost.
03/16/2017 2:24:42 PM 021051 I 1.6.07.08302 Page 5
D-76
Claim#: ???? ' 0 Workfile ID:
Estimate of Record
2015 DODG Charger SE RWD 40 SEO 6-3.6L Gasoline Sequential MPI grey
THIS ESTIMATE IS BASED ON THE USE OF BODY PARTS FOR YOUR MOTOR VEHICLE WHICH WERE NOT MANUFACTURED FOR OR BY THE ORIGINAL MANUFACTURER OF THE MOTOR VEHICLE. ANY WARRANTIES PROVIDED FOR THESE BODY PARTS ARE PROVIDED BY THE MANUFACTURER OR DISTRIBUTOR OF THESE PARTS, NOT BY THE MANUFACTURER OF YOUR MOTOR VEHICLE. PLEASE CONTACT YOUR INSURER TO DETERMINE YOUR RIGHTS REGARDING THE USE OF SUCH BODY PARTS.
Glass replacement is available by calling Safelite at 1-888-800-4527.
lfde0a95
03/16/2017 2:24:42 PM 021051 I 1.6.07.08302 Page 6
D-77
Claim # : cr1rrnr •• Workfile ID: lfde0a9S
Estimate of Record
201S DODG Charger SE RWD 4D SED 6-3.6L Gasoline Sequential MPI grey
Estimate based on MOTOR CRASH ESTIMATING GUIDE and potentially other third party sources of data. Unless otherwise noted, (a) all items are derived from the Guide DR3PB11, CCC Data Date 03/ 01/2017, and potentially other third party sources of data; and (b) the parts presented are OEM-parts manufactured by the vehicles Original Equipment Manufacturer. OEM parts are available at OE/Vehicle dealerships. OPT OEM (Optional OEM) or ALT OEM (Alternative OEM) parts are OEM parts that may be provided by or through alternate sources other than the OEM vehicle dealerships. OPT OEM or ALT OEM parts may reflect some specific, special, or unique pricing or discount. OPT OEM or ALT OEM parts may include "Blemished" parts provided by OEM's through OEM vehicle dealerships. Asterisk (*) or Double Asterisk(**) indicates that the parts and/or labor data provided by third party sources of data may have been modified or may have come from an alternate data source. Tilde sign("") items indicate MOTOR Not-Included Labor operations. The symbol ( < >) indicates the refinish operation WILL NOT be performed as a separate procedure from the other panels in the estimate. Non-Original Equipment Manufacturer aftermarket parts are described as Non OEM, A/ M or NAGS. Used parts are described as LKQ, RCY, or USED. Reconditioned parts are described as Recond. Recored parts are described as Recore. NAGS Part Numbers and Benchmark Prices are provided by National Auto Glass Specifications. Labor operation times listed on the line with the NAGS information are MOTOR suggested labor operation times. NAGS labor operation times are not included. Pound sign(# ) items indicate manual entries.
Some 2017 vehicles contain minor changes from the previous year. For those vehicles, prior to receiving updated data from the vehicle manufacturer, labor and parts data from the previous year may be used. The CCC ONE estimator has a list of applicable vehicles. Parts numbers and prices should be confirmed with the local dealership.
The following is a list of additional abbreviations or symbols that may be used to describe work to be done or parts to be repaired or replaced:
SYMBOLS FOLLOWING PART PRICE: m=MOTOR Mechanical component. s=MOTOR Structural component. T= Miscellaneous Taxed charge category. X=Miscellaneous Non-Taxed charge category.
SYMBOLS FOLLOWING LABOR: D= Diagnostic labor category. E= Electrical labor category. F= Frame labor category. G=Glass labor category. M= Mechanical labor category. S=Structural labor category. (numbers) 1 through 4= User Defined Labor categories.
OTHER SYMBOLS AND ABBREVIATIONS: Adj.=Adjacent. Algn.=Align. ALU =Aluminum. A/ M=Aftermarket part. Blnd=Blend. BOR=Boron steel. CAPA=Certified Automotive Parts Association. D&R=Disconnect and Reconnect. HSS=High Strength Steel. HYD=Hydroformed Steel. Incl .=Included. LKQ=Like Kind and Quality. LT=Left. MAG=Magnesium. Non-Adj. = Non Adjacent. NSF=NSF International Certified Part. 0/H=Overhaul. Qty=Quantity. Refn= Refinish. Repl=Replace. R&I= Remove and Install. R&R=Remove and Replace. Rpr= Repair. RT= Right. SAS=Sandwiched Steel. Sect=Section. Subl=Sublet. UHS=Ultra High Strength Steel. N=Note(s) associated with the estimate line.
CCC ONE Estimating - A product of CCC Information Services Inc.
The following is a list of abbreviations that may be used in CCC ONE Estimating that are not part of the MOTOR CRASH ESTIMATING GUIDE: BAR= Bureau of Automotive Repair. EPA= Environmental Protection Agency. NHTSA= National Highway Transportation and Safety Administration. PDR= Paintless Dent Repair. VIN=Vehlcle Identification Number.
03/16/2017 2:24:42 PM 021os1 I 1.6.07.08302 Page 7
D-78
Claim#:
Workfile ID: lfde0a95
Estimate of Record
2015 DODG Charger SE RWD 4D SED 6-3.6L Gasoline Sequential MPI grey
ALTERNATE PARTS SUPPLIERS
Line Supplier Description Price
3 Salt Lake Chrome Plating #68267765AB $ 505.00
Order Desk RECOND Bumper cover
1050 Washington Street
Salt Lake City UT 84101
(800) 843-1956
4 KEYSTONE - NORTH LAS VEGAS, NV #CH1070836PP $ 55.00
3370 E LONE MOUNTAIN ROAD A/M AQRP Energy absorber
NORTH LAS VEGAS NV 89081 Quote: 113610063
(702) 789-4000 Expires: 04/29/17
5 KEYSTONE - NORTH LAS VEGAS, NV #CH1006222C $ 177.00
3370 E LONE MOUNTAIN ROAD A/M CAPA Impact bar (UHS)
NORTH LAS VEGAS NV 89081 Quote: 113610063
{702) 789-4000 Expires: 04/29/17
8 PartsCo Inc. #CH1200391 $ 261.00
Mo Kazemi A/M Upper grille w/o Police
4280 West Windmill lane, Suite 109
Las Vegas NV 89139
(702) 998-8888
10 All Star Auto Lights - CA #2605 $ 850.00
Quaz Gutierrez A/M NSF LT Headlamp assy
5952 Jasmine Street
Riverside CA 92504
(877) 602-5578
13 PartsCo Inc. #CH1240282C $ 209.00
Mo Kazemi A/M CAPA LT Fender
4280 West Windmill lane, Suite 109
Las Vegas NV 89139
(702) 998-8888
22 B&&R Auto Wrecking - Henderson # HFL659 $ 130.65
Smitty Smith RCY LT/Front Wheel, alloy sales code WF5 +25%
1701 Athol Ave ALLOY WHEEL-000,RF, 17X7 {ALLOY, 5 SPLIT SPOKE) - 17X7 (ALLOY, 5 SPLIT SPOKE)
Henderson NV 89011
(800) 304-1941
23 B&&R Auto Wrecking - Henderson #HFL659 $ 130.65
Smitty Smith RCY RT/Front Wheel, alloy sales code WF5 +25%
03/16/2017 2:24:42 PM 021051 I 1.6.07.08302 Page 8
D-79
Claim#:
Workfile ID:
Estimate of Record
2015 DODG Charger SE RWD 4D SED 6-3.6L Gasoline Sequential MPI grey
25
34
53
61
1701 Athol Ave
Henderson NV 89011
(800) 304-1941
LKQ of Nevada (SNAP)
3370 E Lone Mountain Road
North Las Vegas NV 89081
(702) 642- 1333
B&&R Auto Wrecking - Henderson
Smitty Smith
1701 Athol Ave
Henderson NV 89011
(800) 304-1941
LKQ of Nevada (SNAP)
3370 E Lone Mountain Road
North Las Vegas NV 89081
(702) 642-1333
LKQ of Nevada (SNAP)
3370 E Lone Mountain Road
North Las Vegas NV 89081
(702) 642-1333
03/16/2017 2:24:42 PM
ALLOY WHEEL-000,RF,17X7 (ALLOY, 5 SPLIT SPOKE) - 17X7 (ALLOY, 5 SPLIT SPOKE)
#~148190856
RCY Engine cradle +25%
Suspension Crossmember/K-Frame 3.6,AUTO,RWD Front,S# $EM048
Quote: 113610063
Expires: 04/29/ 17
#HFL659
RCY instrument panel +25%
INSTRUMENT PANEL-3.6,8AT,34968 - (CLUSTER), MPH, 140 MPH, (ID 5091749)
#~141687502
RCY LT Power mirror w/o heat, w/o multifunction granite +25%
Side View Mirror 4DR,PM,SE L, Power; (painted), (manual folding), non-,S#$P0703 - POWER; (PAINTED), (MANUAL FOLDING), NO
Quote: 113611861
Expires: 04/29/ 17
#~144788709
RCY LT door assy +25%
Door Assembly, Rear 4DR,PW,POLICE,WHT,C8X9 L, L.,S#$UR705
Quote: 113610063
Expires: 04/29/17
021051 I 1.6.07.08302
a aJ • lfde0a95
$ 370.00
$ 150.65
$ 96.00
$ 645.00
Page 9
D-80
Est imate of Record
2015 DODG Charger SE RWD 4D SED 6-3.6L Gasoline Sequential MPI grey
Line Supplier
58 Martin Tire Company
59
500 N WHITE SANDS BLVD
ALAMOGORDO NM 88310
(575) 437-3912
Martin Tire Company
500 N WHITE SANDS BLVD
ALAMOGORDO NM 88310
(575) 437-3912
03/16/2017 2:24:42 PM
TIRE PARTS SUPPLIERS
Description
MICH 215/65R17 Energy Saver AS BW 98T
MICH 215/65R17 Energy Saver AS BW 98T
021051 I 1.6.07.08302
Claim#: :• Workfile ID: lfde0a95
Price
$ 156.99
$ 156.99
Page 10
D-81
Estimate of Record
2015 DODG Charger SE RWD 4D SED 6-3.6L Gasoline Sequential MPI grey
ALTERNATE PARTS USAGE
2015 DODG Charger SE RWD 4D SED 6-3.6L Gasoline Sequential MPI grey
VIN: License:
State:
2C3CDXBG2FH775879
51c071
NV
Alternate Part Type
Aftermarket
Optional OEM
Reconditioned
Recyded
03/16/2017 2:24:42 PM
Production Date:
Odometer:
Condition:
10/2015
40849
Good
# Of Available Parts
9
0
4
10
021051 I 1.6.07.08302
Claim # :
Workfile ID:
Interior Color:
Exterior Color:
a m• •
BLACK
grey
lfde0a95
# Of Parts Selected
7
0
1
6
Page 11
D-82
~ • ., ... ', ~ ~' . .. ~ · ·tttlit
' . ' .
MARKET VALUATION SUMMARY r , • • - :- • •
Prepared for FARMERS INSURANCE EXCHANGE
~~ REPORT SUMMARY
~' CLAIM INFORMATION
Owner
Loss Vehicle
Loss Incident Date
Claim Reported
~ INSURANCE INFORMATION
Report Reference Number
Claim Reference
Adjuster
Odometer
Last Updated
~ VALUATION SUMMARY
Base Vehicle Value
Adjusted Vehicle Value
Total
.. ii 1jlf ~
2 . ii ii 30glfe
2015 Dodge Charger SE RWD
03/06/2017
03/16/2017
84033096
SL6!61!, 3 U 40,849
03/16/2017 04:17 PM
$16,309.00
$ 16,309.00
$ 16,309.00
The total may not represent the total of the settlement as other factors (e.g. license and
fees) may need to be taken into account.
© Copyright 2016 CCC Information Services Inc. All Rights Reserved.
The CCC ONE® Market Valuation
Summary reflects CCC Information
Services lnc.'s opinion as to the value
of the loss vehicle, based on information
provided to CCC by FARMERS
INSURANCE EXCHANGE.
Loss vehicle has 50% greater than
average mileage of 27,200.
BASE VEHICLE VA LUE
This is derived from comparable
vehicle(s) available or recently available
in the marketplace at the time of
valuation, per our valuation methodology
described on the next page.
ADJUSTED VEHICLE VALUE
This is determined by adjusting the
Base Vehicle Value to account for the
actual condition of the loss vehicle and
certain other reported attributes, if any,
such as refurbishments and after factory
equipment.
inside the Report
Valuation Methodology ............................. 2
Vehicle lnformation ....................... ............ 3
Vehicle Condition ...................................... 6
Comparable Vehicles ..................... .......... 7
Page 1 of8
D-83
CJJ:,i=ONE. MARKET VALUATION SUMMARY Own1~11111111;;;;:::~ Claim.1225 M Z
VALUATION METHODOLOGY How was the valuation determined?
CLAIM INSPECTION
FARMERS INSURANCE EXCHANG,E has provided CCC with the zip code where the loss vehicle
is garaged, loss vehicle VIN, mileage, e~uipment, as well as loss vehicle condition, which is used to
assist in determining the value of the loss vehicle.
When a valuation is created the database is searched and
comparable vehicles in the area are selected. The zip code
where the loss vehicle is garaged determines the starting point
for the search. Comparable vehicles are similar to the loss
vehicle based on relevant factors.
CALCULATE BASE VEHICLE VALUE
DAT ABASE REVIEW --CC~ maintains an extensive database of vehicles that currently are
or recently were available for sale in the U.S. This database includes
v~·hicles that CCC employees have physically inspected, as well as
vehicles advertised for sale by dealerships or private parties. All of
these sources are updated regularly.
Adjustments to the price of the selected comparable vehicles are made to reflect
differences in vehicle attributes, including mileage and options. Dollar adjustments are
based upon market research .
Finally, the Base Vehicle Value is the weighted average of the adjusted values of the
comparable vehicles based on the following factors:
• Source of the data (such as inspected versus advertised)
• Similarity (such as equipment, mileage, and year)
• Proximity to the loss vehicle's primary garage location
• Recency of information
© Copyright 2016 CCC Information Services Inc. All Rights Reserved. Page 2 of 8
! I
I 1-
l
D-84
crJ:,rimONE. MARKET VALUATION SUMMARY
6ij VEHICLE INFORMATION VEHICLE DETAILS
Location
VIN
Year
Make
Model
Trim
Body Style
Body Type
Engine -
Cylinders
Displacement
Fuel Type
Carburation
Transmission
Curb Weight
PAHRUMP, NV 89048
2C3CDXBG2FH775879
2015
Dodge
Charger
SE
RWD
Sedan
6
3.6L
Gasoline
Sequential MPI
Automatic Transmission
39341bs
©Copyright 2016 CCC Information Services Inc. All Rights Reserved.
Vehicles sold in the United States
are required to have a manufacturer
assigned Vehicle Identification
Number(VIN). This number provides
certain specifications of the vehicle.
Please review the information in the
Vehicle Information Section to confirm
the reported mileage and condition,
and to verify that the information
accurately reflects the options,
additional equipment, refurbishments
or other aspects of the loss vehicle that
may impact the value.
Page 3 of 8
D-85
cr~=ONE. MARKET VALUATION SUMMARY Own1Ee;r:· ======~·• Clai~
ti) VEHICLE INFORMATION VEHICLE EQUIPMENT
To the left is the equipment of the loss
Odometer 40,849 vehicle that FARMERS INSURANCE EXCHANGE provided to CCC.
Transmission Automatic Transmission ./
Power Power Steering ./ ./ Standard This equipment is
included in the base configuration of Power Brakes ./ the vehicle at time of purchase.
Power Windows ./ 1!J Additional Equipment that is not Power Locks ./ Standard but was noted lo be on the
Power Mirrors ./ loss vehicle.
Power Driver Seat ./
Power Trunk/Gate Release ./
Decor/Convenience Air Conditioning ./
Climate Control ./
Tilt Wheel ./
Cruise Control ./
Rear Defogger ./
Intermittent Wipers ./
Console/Storage ./
Overhead Console ./
Keyless Entry ./
Telescopic Wheel ./
Message Center ./
Seating Cloth Seats ./
Bucket Seats ./
Recliningflounge Seats ./
Radio AM Radio ./
FM Radio ./
Stereo ./
Search/Seek ./
Steering Wheel Touch Controls ./
Auxiliary Audio Connection ./
Wheels AluminumfAlloy Wheels ./
Safety/Brakes Air Bag (Driver Only) ~
Passenger Air Bag ./
©Copyright 2016 CCC Information Services Inc. All Rights Reserved. Page 4 of 8
D-86
crJ:,mONE. MARKET VALUATION SUMMARY I ~~: · i(d ,. •> 41
bij VEHICLE INFORMATION VEHICLE EQUIPMENT
Anti- lock Brakes (4) .., 4-wheel Disc Brakes .., Front Side Impact Air Bags .., Head/Curtain Air Bags .., Hands Free .., Traction Control .., Stability Control ..,
Exterior/PainUGlass Dual Mirrors " Aftermarket Film Tint G Clearcoat Paint .., Metallic Paint ..,
Other - Cars California Emissions ..,
© Copyright 2016 CCC Information Services Inc. All Rights Reserved. Page 5 of 8
D-87
crJ:,=ONE. MARKET VALUATION SUMMARY
bij VEHICLE CONDITION COMPONENT CONDITION
Mechanical
Body/Glass
Paint
Interior
Tires
Condition
NORMAL
NORMAL
NORMAL
NORMAL
NORMAL
Inspection Notes
Minimal dirt and grease in engine
compartment, normal wear.
Sheet metal properly aligned, trim
in good shape. Windshield has light
pitting. Normal wear.
Minor swril marks, no peeling.
Carpets, seats and headliner are clean,
no holes.
Tires at 7/32nds
Value Impact
$0
$0
$0
$0
$0
,Total Condition Adjustments - · '· - S 0 '. ~· ,.. .. ' . , .
© Copyright 2016 CCC Information Services Inc. All Rights Reserved.
IOwnerClai~
FARMERS INSURANCE EXCHANGE
uses condition inspection guidelines
to determine the cond ition of key
components of the loss vehicle prior
to the loss. The guidelines describe
physical characteristics for these key
components, for the condition selected
based upon age. Inspection Notes
reflect observations from the appraiser
regarding the loss vehicle's condition.
CCC makes dollar adjustments that
reflect the impact the reported condition
has on the value of the loss vehicle as
compared to Normal condition. These
dollar adjustments are based upon
interviews with dealerships across the
United States.
Page 6 of 8
D-88
Cf"J:,~ONE. MARKET VALUATION SUMMARY I~~
@4 COMPARABLE VEHICLES
~'Q COMPARABLE VEHICLES
Source Vehicle Price
Comp 1
Source: Autotrader 2015 Dodge Charger $ 16,994
Prestige Chrysler Jeep Do Se Rwd 6 3.61 Gasoline (List)
Las Vegas, NV Sequential Mpi
(702) 420-0489 Odometer: 40,886
40 Miles From Pahrump, NV VIN: 2C3CDXBGOFH870411
Stock#: PU7159
Obtained Date: 03/16/2017
Updated Date: 02/07/2017
Comp2
Source: Autotrader 2015 Dodge Charger $ 17,488
Hyundai Of Las Vegas Se Rwd 6 3.61 Gasoline (List)
Las Vegas, NV Sequential Mpi
(855) 672-2427 Odometer: 35,575
40 Miles From Pahrump, NV VIN: 2C3CDXBG6FH840622
Stock #: P1422
Obtained Date: 03/16/2017
Updated Date: 01 /26/2017
Comp 3
Source: Autotrader 2015 Dodge Charger $ 17,987
Planet Nissan Se Rwd 6 3.61 Gasoline (List)
Las Vegas, NV Sequential Mpi
(866) 689-9985 Odometer: 32,303
40 Miles From Pahrump, NV VIN: 2C3CDXBGOFH795404
Stock #: P5607
Obtained Date: 03/16/2017
Updated Date: 12/26/2016
Comp4
Source: Autotrader 2015 Dodge Charger $ 17,991
Desert 215 Superstore Se Rwd 6 3.61 Gasoline (List)
Las Vegas, NV Sequential Mpi
(888) 446-2793 Odometer: 39,213
42 Miles From Pahrump, NV VIN: 2C3CDXBG9FH862372
Stock#: 70547
Obtained Date: 03/16/2017
Updated Date: 01 /30/2017
Comps
© Copyright 2016 CCC Information Services Inc. All Rights Reserved.
Adj usted Comparable
Value
$ 15,875
$ 15,908
$ 16,226
$ 16,736
Comparable vehicles used in the
determination of the Base Vehicle Value
are not intended to be replacement
vehicles but are reflective of the market
value, and may no longer be available
for sale.
List Price is the slicker price of an
inspected dealer vehicle and the
advertised price for the advertised
vehicle.
Take Price is the amount that the
dealership will accept to sell the
inspected vehicle, though a lower price
may be obtainable through negotiation.
Distance is based upon a straight line
between loss and comparable vehicle
locations.
Adjusted Comparable Value
represents the price of the comparable
vehicle with adjustments for options,
mileage, condition, and year/model/trim
as compared to the loss vehicle.
A condition adjustment is also made to
set the comparable vehicle to Normal
condition, which the loss vehicle is also
compared to in the Vehicle Condition
section.
Page 7 of 8
D-89
cr~li10NE. MARKET VALUATION SUMMARY I O~ner g oz· 5
~ COMPARABLE VEHICLES
~~COMPARABLE VEHICLES Source: Autotrader 2015 Dodge Charger $ 17,473 $ 16,066
Desert 215 Superstore Se Rwd 6 3.61 Gasoline (List)
Las Vegas, NV Sequential Mpi
(888) 446-2793 Odometer: 37,450
42 Miles From Pahrump, NV VIN: 2C3CDXBG8FH874027
Stock #: 70539
Obtained Date: 03/16/2017
Updated Date: 02/23/2017
Comp6
Source: Autotrader 2015 Dodge Charger $ 18,990 $ 17,820
Sahara Chrysler Jeep Dodg Se Rwd 6 3.61 Gasoline (List)
Las Vegas, NV Sequential Mpi
(702) 479-2134 Odometer: 40,237
43 Miles From Pahrump, NV VIN: 2C3CDXBG4FH840666
Stock #: 90760
Obtained Date: 03/16/2017
Updated Date: 03/02/2017
© Copyright 2016 CCC Information Services Inc. All Rights Reserved. Page 8 of 8
D-90
Exhibit #4 Presented By Bob Compan Farmers Group Inc.
D-91
APPENDIXC
Model Salvage Vehicle Titling Legislation
Salvage, Rebuilt Salvage, Flood, and Nonrepairable Vehicles
Sec. 3- XOl Definitions
(1) MOTOR VEHICLE -- as used in this Article, motor vehicle has the same meaning as found
in Section 1-142 of this Code, however, it does not include vehicles with a GVWR of more
than 10,000 pounds.
(2) SALVAGE VEHICLE -- means:
(a) any motor vehicle which has been damaged, destroyed, wrecked, or submerged in
water to the extent that the total estimated or actual cost of parts and labor to rebuild
or reconstruct the vehicle to its pre-accident condition and for legal operation on the
roads or highways exceeds 75 percent of the retail value of the vehicle prior to such
damage, as set forth in a current edition of any nationally recognized compilation,
including automated data bases, of retail values, as approved by the department. The
value of repair parts for purposes of this paragraph shall be determined by using the
current published retail cost of the original equipment manufacturer parts or the
actual retail cost of the repair parts to be used in the repair. The labor cost of repairs
for purposes of this paragraph shall be computed by using the hourly labor rate and
time allocations that are reasonable and customary in the automobile repair industry
in the community where the repairs are performed.
(b) any motor vehicle, without regard to whether such vehicle meets the preceding 75
percent threshold which :
(i) an insurance company acquires ownership of pursuant to a damage settlement,
not including a settlement in connection with a recovered theft vehicle, unless
such motor vehicle sustained sufficient damage to meet the 75 percent
threshold ; or;
(ii) the vehicle owner designates as a Salvage Vehicle by obtaining a Salvage
Title, without regard to the extent of the motor vehicle's damage and repairs. 1
D-92
(3) SALVAGE TITLE -- means a certificate of title issued by the department designating a
motor vehicle a Salvage Vehicle.
( 4) REBUILT SALVAGE VEHICLE -- means any motor vehicle previously issued a Salvage
Title, which has passed state anti-theft and safety inspections to ensure that the motor vehicle
was rebuilt to required standards, and has been issued a certificate indicating that the motor
vehicle has passed the required anti-theft and safety inspections.
(5) REBUILT SALVAGE TITLE -- means a certificate of title issued by the department for a
vehicle previously designated a Salvage Vehicle which has passed required state anti- theft
and safety inspections, and is now designated a Rebuilt Salvage Vehicle.
(6) NONREPAIRABLE VEHICLE -- means any motor vehicle which is incapable of safe
operation for use on roads or highways and which has no resale value except as a source of
parts or scrap only or which the owner irreversibly designates as a source of parts or scrap.
(7) NONREPAIRABLE VEHICLE CERTIFICATE -- means a motor vehicle ownership
document issued by the department designating that vehicle a Nonrepairable Vehicle.
(8) FLOOD VEHICLE --means a motor vehicle that has been submerged in water to the point
that rising water has reached over the door sill and has entered the passenger or trunk
compartment.
Sec. 3-X02 Duty to Apply for Salvage Vehicle Title -- Noorepairable Vehicle Certificate
(1) Unless an insurance company has made a damage settlement arising out of damage sustained
to a Salvage Vehicle or a Nonrepairable Vehicle, the vehicle owner shall apply to the
department for a Salvage Title or Nonrepairable Vehicle Certificate, whichever is applicable,
before the motor vehicle is repaired or the ownership of the motor vehicle is transferred. In
no event shall such application be made more than 30 days after the vehicle is damaged.
(2) Every insurance company, which pursuant to a damage settlement, acquires ownership of a
vehicle that has incurred damage requiring the vehicle to be designated a Salvage Vehicle or
Nonrepairable Vehicle, shall apply to the department for a Salvage Title or Nonrepairable
2
D-93
Vehicle Certificate within 15 days after the title is assigned and delivered by the owner to the
insurance company, with all liens released.
(3) Every insurance company which makes a damage settlement for a vehicle that has incurred
damage requiring such vehicle to be designated a Salvage Vehicle or Nonrepairable Vehicle,
but does not acquire ownership of the vehicle, shall
Alternative 1:
notify the vehicle owner of the owner's obligation to apply to the department for a Salvage
Title or Nonrepairable Vehicle Certificate for the motor vehicle, and shall notify the
department of this fact in accordance with procedures established by the department.
Alternative 2:
withhold payment of the claim until the vehicle owner applies for a Salvage Title or a
Nonrepariable Vehicle Certificate
(4) The lessee of any vehicle which incurs damage requiring the vehicle to be designated a
Salvage or Nonrepairable Vehicle shall notify the lessor of this fact within 30 days of the
damage.
(5) The lessor of any motor vehicle which has incurred damage requiring the vehicle to be titled
as a Salvage or Nonrepairable Vehicle, shall apply to the department for a Salvage Title or
Nonrepairable Vehicle Certificate within 21 days after being notified of this fact by the
lessee.
( 6) Every person acquiring ownership of a motor vehicle that meets the definition of a Salvage
or Nonrepairable Vehicle, for which a Salvage Title or Nonrepairable Vehicle Certificate has
not been issued, shall apply to the department for the required document prior to any further
transfer of such vehicle, but in no event, more than 30 days after ownership is acquired.
3
I I I
I
l
D-94
Sec. 3-X03 Duty to Notify Lessors, Purchasers, Department of Flood Vehicle Status
(1) Every owner of a vehicle that becomes a Flood Vehicle shall, at or prior to the time
ownership is transferred, give the transferee written notice that the vehicle is a Flood
Vehicle.
(2) Every lessee of a vehicle that becomes a Flood Vehicle, shall, within 15 days of the
occurrence, give the lessor written notice that the vehicle is a Flood Vehicle.
(3) Every vehicle owner transferring ownership of a Flood Vehicle shall at the time of such
transfer notify the department of the vehicle's Flood Vehicle designation in accordance with
procedures established by the department.
Sec. 3-X04 Department to Designate Salvage, Flood, and Nonrepairable Vehicles
( 1) Upon notification of a vehicle's designation as a Salvage Vehicle, or Nonrepairable Vehicle,
and payment of appropriate fees, the department shall issue, a Salvage Title, or
Nonrepairable Vehicle Certificate, as appropriate in accordance with procedures established
by the department.
(2) Each Salvage Vehicle Title issued by the department shall, in addition to complying with
requirements of Sec. 3-107 of this Chapter, be conspicuously labeled with this designation on
its face.
(3) Upon notification of a vehicle's designation as a Flood Vehicle, and payment of appropriate
fees, the department shall conspicuously label this Flood Vehicle status on the face of the
vehicle's title.
(4) Each Nonrepairable Vehicle Certificate shall contain the same identifying information and
comply with format, size and security requirements applicable to certificates of title by Sec.
3- l 07 of this Chapter, and shall be conspicuously labeled with this designation on its face.
(5) The designation of a motor vehicle's status shall be conspicuously labeled on the face of any
subsequent title, including any duplicate title, issued by the department for the vehicle.
4
D-95
(6) The department shall maintain the preceding designations of a vehicle's status as a permanent
part of each vehicle's record, and shall include this information as part of any electronically
transmitted or printed vehicle record provided by the department for that motor vehicle
Sec. 3-XOS Restrictions on Use and Transfer of Salvage Vehicles
(1) No motor vehicle for which a Salvage Title has been issued shall be registered by the
department for use on the roads or highways of this state unless it has been issued a Rebuilt
Salvage Title.
(2) The ownership of a Salvage Vehicle shall only be transferred through the use of a Salvage
Title.
(3) No Salvage Vehicle shall be issued a Rebuilt Salvage Title unless the Salvage Vehicle has
been repaired or rebuilt, and passed a H anti theft and safety inspection by a person or
persons licensed or employed by a State under a program approved by the department, [ or
other designated agency] and an inspection for stolen parts by a certified State or local law
enforcement official, under a program approved by the department.
Sec. 3-X06 Restrictions on Use and Transfer of Nonrepairable Vehicles
(1) No motor vehicle for which a Nonrepairable Vehicle Certificate has been issued shall be
titled or registered by the department for use on the roads or highways of this state.
(2) Ownership of the motor vehicle for which a Nonrepairable Vehicle Certificate has been
issued may only be transferred two times.
(3) Whenever a motor vehicle has been flattened, baled, shredded, or otherwise destroyed,
whichever comes first, the motor vehicle title or Nonrepairable Vehicle Certificate for the
vehicle shall be surrendered to the department within 30 days.
5
D-96
( 4) The department shall update its record to indicate the destruction of such vehicle and no
further ownership transactions for the vehicle shall be permitted. If at the time the vehicle is
destroyed it is titled in another state, the department shall notify the state where the vehicle is
titled of the surrender of the title or Nonrepairable Vehicle Certificate and of the vehicle's
destruction.
Sec. 3-X07 Procedures for Titling Rebuilt Salvage Vehicles
(1) The department shall not issue a Rebuilt Salvage Title for a motor vehicle with a Salvage
Title unless the vehicle has passed required state anti-theft and safety inspections. A motor
vehicle for which a Rebuilt Salvage Title has been issued may be registered for use on the
roads and highways of this state.
(2) Every owner of a motor vehicle designated as a Salvage Vehicle shall, as a condition of
having that vehicle designated a Rebuilt Salvage Vehicle, present to the department the
Salvage Title, along with a certificate, which complies with the security and guideline
standards established by the department, indicating that the vehicle has passed the required
anti-theft and safety inspections.
(3) Upon satisfaction of the preceding requirements, the department shall issue a Rebuilt Salvage
Title, and shall maintain this designation as a permanent part of the vehicle's record, and
shall include this information as part of any electronically transmitted or printed vehicle
record provided by the department for that motor vehicle.
(4) Each Rebuilt Salvage Title issued by the department shall, in addition to complying with
requirements of Sec. 3-107 of this Chapter, be conspicuously labeled with the designation
"Rebuilt Salvage Vehicle --Anti-theft and Safety Inspections Passed" on its face.
(5) If the vehicle for which a Rebuilt Salvage Title is issued sustained such damage by being
submerged in water, the department shall also conspicuously label this Flood Vehicle status
on the face of the Rebuilt Salvage Title.
(6) Ownership of a Rebuilt Salvage Vehicle shall only be conveyed through the use of a Rebuilt
Salvage Title.
6
D-97
(7) After a Salvage Vehicle has passed the required State anti-theft and safety inspections, the
inspection official shall affix a secure decal stating "Rebuilt Salvage Vehicle --Anti-theft and
Safety Inspections Passed" to the driver's door jamb of the vehicle and issue to the owner of
the vehicle a certificate indicating that the motor vehicle has passed the required anti-theft
and safety inspections. The decal and certificate must comply with permanency and security
requirements established by the department.
7
D-98
Exhibit #5 Presented By Bob Compan Farmers Group Inc.
D-99
The Total Loss Subcommittee met on Thursday, September 03, 2015 at 9:30 am. The topic of discussion
was the applicability of NRS 487.790 to auto insurance claims settlement practices.
Chapter 487 of NRS specifies the duties of an insurance company with respect to "salvage vehicles,"
which are those vehicles that have been declared a total loss vehicle, a flood-damaged vehicle, a non
-repairable vehicle or have had a salvage title. For the purposes of this chapter, "total loss vehicle" is
defined as one for which the cost of repair, with the exception of painting, replacing electronic
components, or towing, is 65 percent or more of the fair market value.
Notwithstanding this statute, an insurer may make an economic decision to settle a claim on the basis of
the actual cash value of the vehicle rather than repairing the vehicle, regardless of the cost of repair.
However, the Division has concerns with the situation when an insurer treats a vehicle as a salvage
vehicle when the cost of repair does not meet the threshold set forth in NRS 487. 790.
The Division set forth the _position that an insurer may offer a settlement and retain the vehicle. If the
insurer retains the vehicle, it may obtain a salvage title and resell it, but if the claimant insists on keeping
the vehicle, the insurer may not force the insured to accept a salvage title and may not deduct the value
of the salvage· from the settlement.
Some members of industry expressed their own concerns with this position. According to some industry
representatives, given all the electronic components In modern vehicles, which are excluded from the
65 percent determination, costs of repair have risen considerably, resulting in more situations in which
the vehicle is an economic total loss but does not meet the statutory definition of a "total loss vehicle"
pursuant to chapter 487.
Some insurers expressed concerns regarding the liability aspect of an insurer declaring a vehicle a total
loss and having it put back on the road with a clean title when it may be unsafe. Division staff replied
that it may be possible for the insurer to obtain a release of liability.
Some insurers also had difficulty with the issue of over-indemnification. It was expressed that if an
insurer pays the insured the actual cash value of the vehicle and the insured keeps the vehicle, the
insured is made more than whole. In addition, the money the insurer makes in selling the salvage vehicle
is part of the economic decision of whether to declare the vehicle a total loss. If the insurer cannot
retain the salvage, it may not make economic sense to declare any vehicle a total loss if the actual cost
of repair is less than 100 percent (assuming the statutory threshold is not met). Division staff, on the
other hand, pointed out that an insured individual is often not able to obtain the same payment for a
vehicle from a salvage yard as an insurer, since an insurer would often have considerable negotiating
power, knowledge about reasonable salvage values, and preexisting contractual arrangements with
salvage yards. An insurer's deduction of the insurer's anticipated salvage recovery could therefore leave
the insured less than whole, since the insured could possibly never realize that salvage recovery.
Furthermore, it is not clear that an owner-retained vehicle would result in an over-indemnification
situation in the absence of a deduction for salvage. An owner who retains a vehicle that has been
disabled after an accident, and who does not attempt either to sell it to a salvage yard or to repair it,
would not be any better off financially as a result of keeping an inert, non-usable vehicle. If the owner
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attempts to repair the vehicle and can do so for less than the actual-cash-value payment made by the
insurer, then it is likely that the insurer would have been able to effectuate repairs at the same or lower
cost, thus incentivizing the insurer to make the economic decision to repair the vehicle in the first place.
The Division reiterated that the definition of salvage vehicle was set in statute and could not be
bypassed. It was agreed that something should be drafted for the 2017 legislative session and at that
time, representatives from the col lision industry and the Department of Motor Vehicles should be
brought into the discussion. In the meantime, it was agreed that industry would share information on
the total loss settlement process and relevant laws from other states.
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