https://ttlc.intuit.com/community/tax-credits-deductions/discussion/can-you-claim-the-total-loss-from-a-car-accident-caused-by-a-deer-under-disasters-theft-and-other/01/3768395#M359735 My car was totaled due to a deer, I only had 11 payments left 🥺 can that be claimed under the section "Disasters, theft, and other 'property loss or damage'" Tue, 10 Feb 2026 02:38:01 GMT jenn-donahue2011 2026-02-10T02:38:01Z https://ttlc.intuit.com/community/tax-credits-deductions/discussion/can-you-claim-the-total-loss-from-a-car-accident-caused-by-a-deer-under-disasters-theft-and-other/01/3768395#M359735 My car was totaled due to a deer, I only had 11 payments left 🥺 can that be claimed under the section "Disasters, theft, and other 'property loss or damage'" Tue, 10 Feb 2026 02:38:01 GMT https://ttlc.intuit.com/community/tax-credits-deductions/discussion/can-you-claim-the-total-loss-from-a-car-accident-caused-by-a-deer-under-disasters-theft-and-other/01/3768395#M359735 jenn-donahue2011 2026-02-10T02:38:01Z https://ttlc.intuit.com/community/tax-credits-deductions/discussion/re-can-you-claim-the-total-loss-from-a-car-accident-caused-by-a-deer-under-disasters-theft-an/01/3768417#M359736 <P><SPAN style="font-size:14px;">No, the requirements to claim a deduction for casualty, disaster, or theft loss are strictly defined and relate to losses incurred in a federally-declared disaster (post-Tax Cuts and Jobs Act of 2017). From </SPAN><A href="https://www.irs.gov/taxtopics/tc515" target="_blank"><SPAN style="font-size:14px;"><U>IRS Topic no. 515, Casualty, disaster, and theft losses</U></SPAN></A><SPAN style="font-size:14px;">:</SPAN></P> <BLOCKQUOTE> <H2><SPAN style="font-size:14px;"><STRONG>Casualty losses</STRONG></SPAN></H2> <P><SPAN style="font-size:14px;">A casualty loss can result from the damage, destruction, or loss of your property from any sudden, unexpected, or unusual event such as a flood, hurricane, tornado, fire, earthquake, or volcanic eruption. A casualty doesn't include normal wear and tear or progressive deterioration.</SPAN></P> <P>&nbsp;</P> <P><SPAN style="font-size:14px;">Beginning with tax year 2018, a deduction is generally not available for net personal casualty losses (personal casualty losses in excess of personal casualty gains) unless the loss is caused by a federally declared disaster.</SPAN></P> <P>&nbsp;</P> <P><SPAN style="font-size:14px;">Federal casualty losses, disaster losses and qualified disaster losses are three categories of casualty losses that refer to federally declared disasters. The requirements for each loss vary. For more information, see </SPAN><A href="https://www.irs.gov/forms-pubs/about-publication-547" target="_blank"><SPAN style="font-size:14px;"><U>Publication 547, Casualties, Disasters, and Thefts</U></SPAN></A><SPAN style="font-size:14px;"> or refer to the </SPAN><A href="https://www.irs.gov/forms-pubs/about-form-4684" target="_blank"><SPAN style="font-size:14px;"><U>Instructions for Form 4684</U></SPAN></A><SPAN style="font-size:14px;">.</SPAN></P> </BLOCKQUOTE> <P><SPAN style="font-size:14px;">There <I>may </I>be a qualifying circumstance if the accident took place because of a </SPAN><A href="https://www.irs.gov/newsroom/tax-relief-in-disaster-situations" target="_blank"><SPAN style="font-size:14px;">federally declared disaster</SPAN></A><SPAN style="font-size:14px;">; however, personal property losses (a car) covered by an insurance reimbursement (car insurance) would likely not qualify.</SPAN></P> Tue, 10 Feb 2026 03:03:50 GMT https://ttlc.intuit.com/community/tax-credits-deductions/discussion/re-can-you-claim-the-total-loss-from-a-car-accident-caused-by-a-deer-under-disasters-theft-an/01/3768417#M359736 MelindaS1 2026-02-10T03:03:50Z