COMPLIANCE WITHOUT COMPLEXITY

The Living Rules Database for Vehicle Titling & Registration

200+ rule fields. 51 jurisdictions. Always current.

99.5%+ Accuracy

Validated by Subject Matter Experts

Every Transaction Type

Retail, wholesale, salvage, liens, and more

Built for dealers, lenders, insurers, fleet managers, auction houses, and service providers.

The Problems We Solve

Vehicle titling is fragmented across 51 jurisdictions with unique rules for every transaction type. Manual research leads to rejected applications, delayed funding, and compliance violations.

Solution

Cario’s Living Compliance Rules Engine provides a single, authoritative source for every rule, form, fee, and exception—continuously updated and instantly accessible.

What Powers the Engine

Transaction-Type Intelligence.
Retail, wholesale, lien perfection, salvage—precise rules for every deal type.

Living Form Database.
Current versions of every required document across all 51 jurisdictions.

Precision Fee Calculations.
Title fees, registration, taxes, and plate charges—calculated instantly.

Real-Time Regulatory Monitoring.
AI-powered discovery catches rule changes before they catch you.

SME-Verified Accuracy.
Every rule validated by titling experts with decades of experience.

Florida Salvage Rule Card

DMV Verified

Florida

VERIFIED SALVAGE_TITLE

Salvage Threshold

80% (cost to repair vs ACV)

F.S. 319.30; TL-36 Procedure Manual

Key Forms

HSMV 82040 HSMV 82363 HSMV 82042

Brand Logic

Salvage Rebuildable
Certificate of Destruction
Flood Vehicle

Allowed

Clean, Salvage, Rebuilt, Flood

Blocked

COD, Junk, Parts Only

Salvage Threshold Details

Base Threshold

80%

Calculation Basis

cost to repair vs ACV

Tiered Thresholds:

80%

Salvage Rebuildable — Damage >= 80% but < 90% of retail value

90%

Certificate of Destruction — Damage >= 90% of retail value OR late model (<=7 years, value >= $7,500)

Late model vehicles (7 years old or newer with value >= $7,500) have mandatory COD at 90% threshold. Uninsured/self-insured vehicles use 80% cost-to-replace threshold.

Citation: F.S. 319.30; TL-36 Procedure Manual

Required Documents

Document	Form #	Category	Required
Application for Certificate of Title Primary title application form	HSMV 82040	State Forms
Salvage Certificate of Title Required for all salvage transactions	HSMV 82363	Title & Authority
Vehicle Identification Number Verification VIN verification by authorized agent	HSMV 82042	State Forms
Odometer Disclosure Statement Required for vehicles under 20 years old	Federal Form	Odometer & BOS
Bill of Sale When title is unavailable	—	Odometer & BOS
Power of Attorney If signing on behalf of owner	HSMV 82995	Title & Authority	Optional

Brand Decision Rules

Salvage Rebuildable

Priority 1

Conditions

Damage 80-89% of retail value
Repairable to safe operating condition

Action

Issue Florida Salvage Rebuildable title

Certificate of Destruction

Priority 2

Conditions

Damage >= 90% of retail value
Late model vehicle meeting value threshold
Designated for parts/scrap only

Action

Issue Certificate of Destruction - vehicle cannot be rebuilt

Flood Vehicle

Priority 3

Conditions

Flood damage affecting major components
Water line above door sills or dashboard

Action

Issue Flood title brand - permanent disclosure required

Title Intake & Validation

Allowed Title Types

Clean Salvage Rebuilt Flood

Blocked Title Types

Certificate of Destruction Junk Parts Only

COD vehicles cannot be retitled for road use in Florida

Jurisdiction & Submission

Primary AuthorityFlorida DHSMV

Submission MethodIn-person at Tax Collector or DHSMV regional office

Electronic SubmissionNot Available

Some counties allow mail-in applications for certain transactions

Fees & Timelines

Title Fee

$77.25

Lien Fee

$2.00

Processing Time

7-10 business days

Fees include electronic title fee. Additional county fees may apply.

Statutory Exceptions

EXEMPTION

Antique Vehicle Exemption

Condition: Vehicle 30+ years old, maintained for historical purposes

Effect: May be exempt from standard salvage threshold calculations

Citation: F.S. 320.086

OVERRIDE

Insurance Company Total Loss Override

Condition: Insurance company declares total loss regardless of damage percentage

Effect: Vehicle must be processed as salvage even if damage below threshold

Citation: F.S. 319.30(3)(a)

Rebuilt Pathway

Inspection Required

Inspection Type

Physical VIN verification and safety inspection

Inspector Requirements

DHSMV-authorized inspection station or law enforcement

Documentation Required

Receipts for all major components
Photos of repairs
VIN verification form

Anti-theft inspection required to verify VIN plates and component sources

Out-of-State Processing

Accepts Out-of-State Titles

Conversion Requirements

Original out-of-state title
VIN verification
Applicable fees

Brand Recognition

Florida recognizes and transfers brands from other states

Out-of-state salvage titles converted to Florida equivalent brand

Click anywhere to view full SME summary with 6 documents, 3 brand rules, and more

Request a Demo

See the Living Compliance Rules Engine in action

Solutions
Digital Title Network
AI Title Clerk
Payment Settlement Network
Compliance Rules Engine

Contact
Contact Us
30 W 26th Street, New York,
NY 10010
info@cario.com

About
Privacy Policy
Terms of Use