Montana Total Loss Threshold – What You Need to Know Montana follows a 75% total loss threshold. This means if the cost of repairing your vehicle exceeds 75% of its actual cash value (ACV) before the accident, it’s declared a total loss. Knowing this threshold is critical when dealing with insurance claims after a serious collision. It affects whether your car will be repaired or if you’ll receive a payout for its pre-accident value. Understanding the Montana total loss rule helps you navigate claims more effectively and ensures you're not caught off guard during the settlement process. Visit: https://www.adr-claims.com/diminished-value-claim/montana