Asset protection / state guides
Priority hail and collision states. Rules first, uncertainty labeled.
ClaimStinger research desk
Know the state rule before the claim gets bigger
Claims law changes by state. These guides isolate the verified rule, name the source, and say plainly where the supplied research does not establish an answer.
Priority hail and collision states
Start with the state where the damage happened
Written by James BishopFounder, ClaimStinger
Colorado / priority state guide
Colorado Asset Protection & Claims Guide
No fixed statutory 100% total-loss threshold; Colorado instead requires a documented, fair valuation method.
Read the state guide →Texas / priority state guide
Texas Asset Protection & Claims Guide
Hail damage is excluded from Texas’s statutory salvage repair-cost calculation.
Read the state guide →Minnesota / priority state guide
Minnesota Asset Protection & Claims Guide
The 80% figure brands a salvage title; it is not a verified insurer settlement threshold.
Read the state guide →Missouri / priority state guide
Missouri Asset Protection & Claims Guide
Hail damage is excluded from Missouri’s 80% salvage-definition calculation.
Read the state guide →Research note
More states are being added. Each guide is general information, not legal advice. Statutes change; confirm current law or consult licensed counsel for a specific claim.