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Bill would brand vehicles with major frame damage as structurally totaled; insurers and trade groups raise concerns
Summary
Sen. Dan Quick proposed a new “structurally totaled” salvage-title category for vehicles with major frame or structural damage whose repair costs exceed a high percentage of the vehicle’s value, prompting sharply divided testimony from auto-body shops and insurers.
Sen. Dan Quick introduced LB 112 to add a new category to Nebraska's salvage-title rules: a “structurally totaled” designation for vehicles where damage to frame, rails or other structural components (including engine cradle or rear differential) is severe and repair costs exceed a defined threshold.
“Structurally totaled vehicle means a vehicle totally totaled due to a kink or crease in a frame or rail… The cost of repairs must exceed 75% of the actual cash value of the vehicle,” Quick said in his opening remarks and indicated a pending amendment to clarify distinctions between cosmetic and structural losses.
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