KY HB144

Excludes cosmetic repair costs (those affecting appearance only, not safety, structural integrity, or drivability) from the calculation used to determine whether a vehicle must have its title surrendered as destroyed

Requires vehicles exempted from title surrender due to the cosmetic repair exclusion to instead receive a salvage title branding

Defines salvage vehicle threshold as repair costs exceeding 75% of retail value, excluding airbag reinstallation costs, using nationally accepted valuation guides under KRS 304.20-110

Amends three Kentucky Revised Statutes: KRS 186A.295 (title surrender requirements), KRS 186A.520 (salvage title definitions), and KRS 186A.190 (security interest notation procedures)