Selling a Totaled Car in Florida

Your options for selling a totaled or salvage-title vehicle in Florida — what happens to the title, how to disclose it, and how much you can realistically get.

Your Selling Options

Step-by-Step Process

1. 1

   Get the insurance settlement decision

   Your insurer will declare total loss when repair costs exceed a threshold (typically 75–80% of ACV). You have two options: (1) accept full ACV and surrender the vehicle, or (2) retain the vehicle, accept reduced ACV, and receive a Salvage Title.

2. 2

   Decide whether to retain or surrender

   If you retain the vehicle, the insurer deducts salvage value from your ACV payment. Florida law requires insurers to provide the Salvage Title to the owner when retaining a vehicle after total loss settlement. The insurer deducts estimated salvage value from the ACV payout. Retaining makes sense if you can rebuild and sell for a profit, or sell parts.

3. 3

   Obtain the Salvage Title

   If retaining: Florida issues a Salvage Title when a vehicle is declared a total loss (damage ≥ 80% ACV) or when a title is branded by an insurer in any other state. The $75.25 title fee applies to transfer.

4. 4

   Choose your selling method

   Junkyard/scrap: fastest, lowest price ($100–$1,500 depending on vehicle). Private buyer: higher return but requires disclosure. Florida allows private sale of a salvage vehicle. Disclosure is required — failure to disclose is a first-degree misdemeanor.

5. 5

   Complete the title transfer

   Sign the Salvage Title over to the buyer. Include a bill of sale documenting the salvage status, sale price, and both party signatures. Florida's threshold for salvage designation is 80% of ACV — lower than most states. This means moderately damaged vehicles can end up with salvage titles in Florida.

Frequently Asked Questions

What happens to the title when a car is totaled in Florida?

When a vehicle is declared a total loss in Florida, Florida issues a Salvage Title when a vehicle is declared a total loss (damage ≥ 80% ACV) or when a title is branded by an insurer in any other state. The Salvage brand remains on the title permanently — there is no way to remove it, even after full repair.

Can I sell a totaled car to a private buyer in Florida?

Yes. Florida allows private sale of a salvage vehicle. Disclosure is required — failure to disclose is a first-degree misdemeanor. Always disclose the salvage title status prominently on the bill of sale.

Should I keep my totaled car or let the insurance company take it?

Keep it if: (1) the repair cost is significantly less than what the insurer estimates, (2) you have a buyer lined up for parts or the whole car, or (3) you can rebuild it yourself and sell as a rebuilt title. Let the insurer take it if: you want a clean settlement, you do not want to deal with the salvage process, or the vehicle is not worth repairing.

How much can I sell a totaled car for?

Salvage value is typically 10–25% of the vehicle's pre-accident ACV. Factors: vehicle age, make/model, extent of damage, and local scrap metal prices. A $20,000 car might sell as salvage for $1,500–$5,000. Auction sites like Copart or IAAI often get higher prices than local junkyards.

Do I need a bill of sale to sell a totaled car?

Yes. A bill of sale protects you by documenting the sale date, price, and that the buyer accepted the vehicle in its current salvage condition. Include explicit language such as "SOLD WITH SALVAGE TITLE — VEHICLE IS NOT ROAD LEGAL WITHOUT ADDITIONAL STATE INSPECTION."

What if I sell a totaled car without disclosing the salvage title in Florida?

Failure to disclose a salvage title is fraud in Florida and can result in civil liability for the difference in value, plus potential criminal charges. Always disclose the title brand clearly on both the title assignment and the bill of sale.