My car was totaled. it already has a salvaged title. what will the insurance pay?

My car was totaled. it already has a salvaged title. what will the insurance pay?It depends on many aspects, however since it already has a salvaged total it will be significantly lessened than if it didn’t already have a salvaged title. Your insurance company should be able to give you specifics as to why they are suggesting what they do.

If you buy a car with a salvaged title will your insurance sky rocket?

I have a salvage/reconstructed car right now with liability andcomprehensive. Since a reconstructed car is worth harshly 40% lessthan a comparable clean titled car I will be paid 40% less if thecar is totaled again plus any credit for any verifiable upgrades(car alarm, fresh sound system, etc). Rates will not skyrocket, butyou will be paid if you trash the car, so don’t pay too much for itin the very first place and make sure it is a good car – get are-purchase inspection by a pro. .
Of course it is going to skyrocket.Not only will it go up butthe amount paid to you in the event of an accident is not evenworth paying the premiums of insurance at all.Who knows if you willeven get paid by the insurance company.The rates are all a scamanyways just like fresh car prices.You should not buy a salvagetitled vehicle anyways.There are a lot of things that can be wrongwith the car that you are not made aware of and may cost youthrough the roof to get it repaired decently on top of the inflatedrates for bad coverage you wont get. .
Vehicles with a “salvage title” are seen as being worth less(or worthless) compared to the same vehicle with a “clean title”.This has nothing to do with the actual quality or condition of thevehicle itself (indeed, i have a duo salvage title cars whichwere a superb bargain and very reliable). The insurance rates willmost likely be approximately the same, but in the event of anaccident and insurance settlement, the vehicle will be consideredby the insurers as almost fully valueless. When it comes tosalvage title vehicles (as with any used vehicle) buyer beware. .
When you purchase a repairable vech ( the decision inbetween aparts only and repairable is the insurance co) .
In Mass prior to being able to register and insure the car.you musthave it probed by the State Police after its beenrepaired .
Once this has been done your good to go. .
As for the cars value, yes the title does state,”reconstructed” former salvage. .
When you insure the car, you pay the same rate for insurance assomeone who has a clean title. .
If you paid less for insurance it would indicate that the caris worthless than another with a clean title. but the insurance codoesnt permit for that. if they attempt to pay don’t lodge they mustpay you on the book value (minus any prexisting harm) .
Example; Car is stolen and recovered after 30 days, holder hasbeen paid for the car, its sold for salvage but with a repairabletitle .
If the insurance company has a problem with paying a claim on asalvage car maybe, they should sell them for parts onlyAll of the above is not necessarily correct. .
I guess different states have different laws. I drive a carthat has a salvage title. I didn’t have to have the vehicleinspected by the state police after it was repaired. I didn’t haveto have anyone look at the car. I have utter coverage insurance onthe vehicle, and I dot pay any more than I do for any of my othervehicles. Also, the car is the best, most reliable used vehicle Ihave ever possessed. I have been driving it for over a year and Ihaven’t put any money in it for anything other than upkeep andgas. .
Laws regarding salvage cars vary from state to state. Areconstructed salvage car is worth less than a comparable cleantitled car (KBB doesn’t ever value them) and insurance will likelypay you less for it if it’s totaled again (how much so varies butsomewhere around 40% less than a clean titled counterpart is a goodguess plus credit for upgrades with receipts). Your insurancedoes not skyrocket, however. Keep in mind that none of thisreally matters if you paid a reasonable price for the car to beginwith (say, 40% less than a comparable clean titled car), so shouldyou total the car, you should get a fair cash out from theinsurance company. I own a salvage/reconstructed car and just putcomprehensive and liability on it since the car’s not worth muchanyway. But boy, it’s the best car I’ve ever possessed and it’s beentrouble-free! .
Only buy salvage cars that are at least 8 years old since itdoesn’t take much to total/salvage an older car since they’re notworth much. Now some states salvage theft recovery vehicles – thesemake excellent purchases but again, they are devalued in the marketdue the branded title so don’t pay retail for them even thoughthere may be no harm whatsoever. .
Depending on your state, the vehicle may not be eligible forfull coverage. Reminisce that a salvage title means that the car hasalready been announcedtotaledand most likely it was aninsurance agency that did so. These vehicles have already been paidout to someone and a vehicle that was paid out as totaled will notbe paid out again. Texas does not fully cover salvage vehicles. Youcan get liability coverage; you may get uninsured/under-insuredbodily injury; uninsured/under-insured property harm might beavailable for vehiclecontents . .
I’ve rebuilt/wielded a number of totaled cars in Indiana. Therules do vary greatly from state to state. In Indiana anyone canrebuild a totaled car. All that is required is a police inspectionfor stolen parts. Illinois only permits licensed re-builders torebuild cars. Sometimes the salvage brand seems totally random. Allmost all stolen recovered cars get branded salvage and mileage notactual. Here the brand can be liquidated with insurance company wavieron stolen recovered bruised less than a certain % of value as longas the title doesn’t say mileage not actual. .
I’ve never had an insurance issue, but I’ve never made a claim.The insurance costs were the same as a regular car. I did have abuddy with a rebuilt Suburban that was stolen and never recovered.The insurance company would not pay total book value because of thebranded (salvage) title. As I recall, he got about 20% under bookvalue. .
Rebuilt cars can be a superb value, but favor people who keeptheir cars for long periods of time. Usually the warranties arevoided. They can be hard to sell because banks usually won’tfinance branded cars and people are skeptical. I’ve had no troublesselling mine, but they were nice cars 6-10 years old and worth lessthan $4000 when I sold them. A $Ten,000 rebuilt can be a very hardsell.

Can you get utter coverage insurance on a salvage title car in Louisiana?

My insurance provider, Hanover, told me that they would only write liability coverage, and not total coverage on my truck that was flooded and totaled in Fresh Orleans.

Related video:

What do you do if the insurance for a totaled car does not pay off the car loan?

I faced the same thing about a year ago. The insurance company did not want to give me what was needed. I got on-line and found many cars that were just like mine and displayed them that my car was worth more than they were wanting to give me. They still did not want to give me what the car was worth. So I went to petite claims court and filed suit on the driver of the other car. The person’s insurance has to represent them. Also go and look at the comps that the insurance company are using for your car to see if you can substitute the car for what they want to give you. ResponseUltimately it is your responsibility that you either made low payments, took out a very long loan, or picked a car with high depreciation. The insurance company is not liable for the inflated amount you owe–only what the car is worth. ResponseThe insurance company will only give you the value of the vehicle, as per the “Kelly Blue Book”. They will also send an appraiser out to see what the condition of the car was, as in mileage, any previous harm. If the accident was another driver’s fault, you have to sue him and/or his insurance company for the remaining balance.Whatever you borrowed to obtain the vehicle wil always be more than the car is worth. You have already lost money on it as soon as you drove it off the car lot. But do your research. Go online for “Kelly Blue Book”, and get the estimate of the car’s value. If it is more, then dispute it with the insurance company. Print the page out. ReactionWhen you bought the car fresh or used from the dealer you had the option to purchase something called GAP INSURANCE from them (the Dealer, not the insurance company) for your exact situation. If you did not have enough equity in your car for the insurance pay off to cover it AND did not have gap insurance. basically you are screwed and responsible for the rest of the loan amount car or no car. Some people believe Gap insurance is a rip off so they do not suggest it to you and some just don’t know what it is. They do not need to be selling cars. Not fair but the way of life. Father is an insurance sales man. I also had a lady hit me I had GAP insurance and she did not. She still had to pay off the balance on the loan even tho’ she did not have the car. The courts won’t do much because you had the option to purchase gap insurance and you did not, it does not matter that you did not know.

What argument can be used when an insurance co claims a totaled car is salvage and deducts from the payment but the title doesn’t say it is salvage?

Reaction .
Your question is unclear. Did the insurance company declaire the car that was insured was a total loss. After that they would pay you for the entire value of the vehicle and keep the car since they paid you for it. The insurance company can then sell the bruised vehicle at an auction and make up for some of the loss or they can let the insured keep it and deduct the value from the claim settlement. I am an insurance agent but not a claims adjuster..
Your questions is indeed unclear but I am assuming your car got totaled and they paid you less, as however it was a totaled vehicle to embark with. They might know something you don’t. If you purchased the car in the last Legal months from a dealer or person who gave you a clean title, the car may have in fact already been totaled but they determined to not file a claim and instead immobilized it themselves at a cheaper cost and passed the car (and clean title) on to you. Meantime, the insurance company might have totaled the car and reported it as such. Or, the car was totaled in another state, moved to your state (a process called titled washing) and got a clean title for the brief term, long enough to resell the car with a “clean title” even tho’ it was totaled. When you renew your registration the title will come up salvage. Did you run a Carfax on this car prior to purchase?

In California will any insurance co insure a car with a salvage title?

Response .
Yes, but according to my insurance company, Nationwide, they won’t (and the rep I talked to said it was industry practice) cover comprehensive or collision- so you’ll be covered for any liability to inflict on other people/property, but any harm to the car itself, or theft, won’t be covered. Essentially, if the car is Salvaged, it has no value, so it won’t be insured..
Reaction .
Shop around. I think Geico and Progressive will do more than liability but recall – a salvage vehicle that’s been restored decently is only worth toughly 60% of the value of a comparable clean titled car – so, depending on the age and condition and value of the car it might be best to just do liability coverage.

What companies will insure salvaged title cars?

Response .
Many companies will but the policies vary from state to state even with the same insurance company.

If you don’t carry insurance on your car because it was recently totaled and a salvage title has been issued and someone without insurance on this car drives it and has an accident who is responsible?

Reaction .
You, the proprietor, are responsible for providing proof of insurance and ownership AT ALL TIMES! Even if it means requesting a faxed copy BEFORE driving the vehicle. If the other person has an accident, the liabilty/fault should not be in question, not where the title was. Insurance is effective still, but a fine could result in not having the proof.

How did your insurancce company treat a claim totaling a car with a salvage or branded title?

Salvage Vehicle Claims .
Here are a few links that discuss salvage vehicle deals:.
http://www.ohiolemonlaw.com/state-farm-salvage.shtml .
http://www.vehicleinfo.com/articles.php?id=26 .
Response .
I’ve always been fortunate and they’ve cashed me out for about the same price I paid for the car when it’s been totaled. To make sure you’re getting a good cash out, check kbb.com and nada.com to get a general idea of the car’s value but, depending on where you live, the car might be worth more if it’s in request, so check the local classifieds, too. If you have a branded car that was again totaled you will get toughly 60% of the actual cash value of a comparable clean titled car. This is a rough estimate.

Can you get utter coverage insurance on a salvage title car in Sacramento?

Response Yes with some companies you can. As long as repairs have been made. It could affect the amount you would get paid in event of loss however.

Can you insure a vehicle with a salvaged title?

Reaction .
Yes, you can certainly get liability on the vehicle, but comprehenisve and collision may not be a very good value since the insurance company will very likely not want to pay out much in the event of another collision. In fact, they may turn down to permit comp and collison on a salvaged title..
Reaction .
You may have to make a few phone calls but you should be able to find satisfactory coverage..
Reaction .
We do all of the time, howwever we are very carefull about not paying for the same harm twice. We would not recommend covering the car for comp or collison due to those coverages having been maxxed out. We would also want the state to inspect the vehicle to be certain it was road-worthy. We then tell our clients that shouldthey choose to repair the car to bring us the documentation so that we can prove to the underwriters that all repairs have been made. Otherwise liability only is still available.

What will your insurance company cover on your salvage title car if in an accident?

in most states, even if a salvaged vehicle has been repaired it is still a ‘branded’ title…and thus worth less…….in the states i work in a fully repaired salvaged title vehicle is worth anywhere from 30-50% less on a total loss, (reduces the actual cash value)……..now, if salvaged vehicle say is worth 4k and damages are 1k, then they will repair the bruised portion……

If a car with a rebuild title was totaled a 2nd time what will the insurance pay out for it?

Reaction .
If the insurer knew beforehand that the car was salvage titled and insured it to utter coverage, you are certainly entitled to all monetary replacement regardless..
Contact your broker/agent and find out if this was noted on your policy info..
Reaction .
Yes, you will likely get around 50-60% of the value of a comparable car with a clean title plus credit for any upgrades like keyless entry, a fresh stereo, latest major repairs (provided you have receipts). Hopefully you paid less for the car to begin with so it should balance out.

My car was totaled. it already has a salvaged title. what will the insurance pay?

Will car insurance pay for a car totaled in a DUI accident?

Reaction .
It should. If the “at fault” vehicle is insured, it’s supposed to cover the victim’s vehicle 100%. If the “at fault” vehicle has comprehensive and collision insurance that insurance is supposed to cover the at fault vehicle up to the deductable amount.Note that the buzzed driver will liberate his insurance and be required to get the VERY expensive DUI “insurance endorsment” since he/she is now in the highest risk bracket..
BTW, when a tipsy driver causes a collision it’s not called an “accident”. Accident is when things just happen. Driving inebriated is the CAUSE of the collision and as such the collision is not called an accident. Call it a wreck, crash or just about anything else that takes away the implication of a random act.

Will a salvaged title raise insurance rates?

yes, to some degree. Any car with a salvage title, (in my opinion as a Broker) should NOT be on the road! Sorry to be so blunt.

When a car with only liability insurance and a salvaged title is totaled a 2nd time what is the responsibility of the at faults insurance company as far as replacement?

Response .
The title is irrelevant, they need to put you in equal transportation during the claims process and issue you a check based on the cars book value. If they give you less then you feel is reasonable you do have the capability to negotiate. You better have logical well thought out facts tho. In other words, what will it cost to substitute your vehicle with an equal to your vehicle?

Can you get insurance on a car with a salvage title in Georgia?

Reaction .
Liability, certainly. Comprehensive and Collision might not be worth what you would need to pay since they would only give you a fraction of the value of the vehicle if you were in another collision and the vehicle were to be written off again.

How much should you get if your car is a total loss and has a clean title but a previous salvage title?

Total Loss Value .

Related video:

Respective of the Vehicles title condition, You are entitled to fair market Value. Basically this means you are entitled to the amount it would cost you to purchase the same or similar type and condition vehicle..
Response .
when you say has a clean title but had a prior salvage title, i am assuming you mean that the vehicle was repaired and probed by your state and deemed no longer a salvage title? if that is the case then there would be noextradeduction for the ‘branded’ or salvage title which can lower a vehicles actual cash value anywhere from 25-50% whether repaired or not………more details and perhaps i could be of more assistance……

Can a salvaged title car be financed?

Reaction .
no. .
I have a car that is financed through a bank. I recently foundout that it has a salvaged title and I am having problems withgetting total coverage insurance. the bank along with me didn’t knowit was a salvaged title at the time so what can I do.

Do insurance rates go up if you buy a car with salvage title?

no, it should go downResponseNo, it shouldn’t go up or down (check with your insurance agent) but since it’s worth up to 40% less than a comparable clean titled car you won’t get the utter price of the car if you total it again! Depending on its age and your insurance rates it might be best to just get liability coverage. attempt this site where you can compare quotes from different companies: insureinfo.us

Can salvage title be insured?

Response .
Most insurers will not provide coverage at all for a salvaged vehicle and consider them unsafe. Some will provide Liability coverage but not utter coverage. Others will provide total coverge But in the event of Loss, especially a Total Loss, any pay out will be much lower due to the already diminished value of a Grey Market Vehicle..
Salvaged Vehicles, also known as Grey Market Vehicles have higher loss rates due to mechanical and structural deficiencies, This is why they were considered a total loss by the previous insurer..
Response .
If you mean salvage but reconstructed (roadworthy) then yes, most insurance companies will insure the car (some will want to inspect the car). I have wielded to totaled/reconstructed cars that were older and totaled due to cosmetic harm and they have been fine and reliable cars to own (and cost 40-50% less). I only put liability and comprehensive on these cars (I could very likely get collision but don’t bother). Reminisce, if a totaled car is totaled again you will only get 50-60% of the value of a car with a clean title from the insurance company plus credit for any upgrades (keyless entry, fresh tires, stereo, etc).

How can you get a title for a salvage car in al?

If you need to apply for a salvaged title, finish theformand come back it to the:.
Alabama Department of Revenue .
Motor Vehicle Division ― Title Section .
P.O. Box 327670 .

Related video:

Montgomery, AL 36132-7670 .
www.dmv.org DMV.ORG – The Unofficial Guide to the DMV

If my car is totaled and not paid for will your insurance pay for it?

Car Loans .
In most cases, insurance companies are only required to pay up to the book value of your car. What this means is that if you owe $15,000 on a car loan and the car is only worth $12,000, you will still be held responsible for the remaining balance which in this case would be $Three,000. This is also known as being upside down. If you purchase GAP, a.k.a a debt cancellation contract, then you would not be held liable for the remaining $Three,000. This is why it pays to purchase a car that has good residual value meaning it shouldn’t depreciate much swifter than you are able to pay off your loan.

Your friend sold you his car take over paymentsHe took the car off his insurance you insured the car and then totaled it but you are not on the title Will your insurance company pay for it?

Reaction .
As long as you have the title that he signed off of it and you signed on and you have insurance on the vehicle it will be covered.

Can you trade in a salvage title car?

Yes, but you won’t get much for it – even if it’s been restored to look like fresh you’ll still only get around 40-50% of the value of a comparable car with a clean title. Most likely better to sell it privately.

Will car insurance pay if totaled car?

If you have total coverage they might pay you the lowest market value fo your car. They will deduct your deductable.. Insurance companies are out to make money so they will find the cheapest way out

My car was totaled. it already has a salvaged title. what will the insurance pay?

Insurance company totaled vehicle and resold to salvage place but didn’t switch title and 6 months later car is being driven and stil in my name. What are my legal options?

Did you sign the total over to the insurance company and have proof of the total payout/paperwork? If so, contact the insurance company and request they switch the title over instantly and then report them to your state insurance commission and the DMV! The person driving your old car is in trouble too for not registering the car within 30 days of purchase.

What does a salvage title do to the cost a car?

If it’s not driveable it’s worth 20-25% of the value of a comparable clean titled car. If it’s reconstructed and roadworthy it’s worth 60% of the value of a comparable clean titled car.

Can i get insurance and plates with a salvage title?

Yes. Getting insurance and plates with a salvaged title car should not be a problem. It shouldn’t affect any of that… the only thing you need to worry about is if the place you got the car from decently motionless all of the problems on the vehicle.

If your car has a salvage title and is totalledstolen will the insurance company still pay blue book value?

The insurance company is required to pay the actual cash value (normally) of the vehicle prior to the loss..
Get ready to document what your vehicle is worth with a salvage instead of a clean title. Don’t expect to get more for the vehicle than you piad for it. Don’t expect much at all if the salvage title was given after another insurance company already totaled the vehicle..
Honestly – unless this was specifically addressed when you attempted to buy comprehensive cover on a salavaged title vehicle, you are going down the road to a “bad faith” claim against an insurance company. (Arguement being – insured was charged utter comprehensive rate for the vehicle in question based on value of a clean title, then when a covered total loss is introduced, company pays value on a different basis) Check with a lawyer..
If at all possible, attempt to address this when placing coverage, not at the time of a loss..
Mark Walters, ARM AAI

Can you insure a vehicle with a salvage title?

Yes and no. Insurance companies, as a general rule, will not provide utter coverage insurance for vehicles with salvage titles they will however provide liability only insurance.

Does a car with salvage title qualify for CARS?

The salvage title has to do with obtaining a loan on the car. However, I would disclose it.

Can you get collision insurance on a auto with a salvage title?

Doubtful.. Comprehensive Collision auto insurance is based on vehicle value which can be greatly affected by having a salvage title. The amount that the vehicle value can vary by having such title issues varies by vehicle. If you could find an insurance company to write such a policy it would most likely be a high risk carrier. This would be due to the greater potential of the vehicle becoming totaled out at value which is now considered lower than book value due to the title status. Some carriers will write policies for specialty vehicles and classic cars which insure the vehicle for a specific value. These policies are typically higher rated due to higher cost of repair, capability to obtain parts, and other various exposures that can exist. These types of policies also typically require a vehicle appraisal performed by a reputable company. I am hesitant as to whether or not a salvage title would disqualify you from such a policy but you may want to look into it. Liability insurance is a different story. Some insurance carriers may require a vehicle inspection to ensure that the vehicle has been decently repaired. This would be to ensure that the vehicle is safe to operate. Think of it this way.. Insurance is like gambling. They are attempting to bring in more money in premium than they pay out in losses. The likely spandex hood of a policy costing more in premium due to issues such as salvage title, antique car, specialty car, whatever the case may be; If it puts any extra risk or potential for loss it will be reflected in your insurance premium. Again, that’s only if you can find a carrier to underwrite such a policy. Good luck!

If a salvage yard wields a car is the title considered salvage?

Depends on the existing title, if the salvage company possesses the vehicle and it does not have a salvage title then they would be just another proprietor like anyone else and this vehicle would have a clean title assuming that there are no lean holders. On the other palm if the vehicle in question has already received a salvage/non repairable or similar title then salvage/non repairable or similar title would go after the vehicle not a clean title.

If your already salvaged car is in another accident that is the other persons fault does his insurance company pay anything?

Why are you driving a salvaged car. If the car has any value theymay pay something. If they bruised something that wasn’t alreadydamaged, they might pay something. You may end up having some faultfor driving an unsafe vehicle as well if it was salvaged vehiclethat was not repaired.

When you pay off a car loan and you already have the title what do you do?

Get the lenders name eliminated from the ownership. **actually the lenders name will not be on the ownership papers as anything other than “seller”, once your loan is paid out, you have no worries, the car is yours. The bill of sale, ownership and finance papers should display you the term of your finance, monthly payment, interest rate, number of payment, etc… when the terms have been carried out, you will be the only legal possessor of the vehicle

What is a salvage car title in California?

it means that at some point the vehicle was either wrecked or in aflood if its in cali then probaby a wreck the insurance companyseither pay to have it motionless or if the damages are to much they mayscrap and pay for a replacment vehicle. then the vehicle is eithersold @ an auto auction or is smashed then someone with a re-salelic buys the vehicle at a low low price then they make the repairsand not always to the standereds they need to be for safety , airbags and bad welds in framework are jsut a few things I have seen . ****************************************************************** Well ….not fairly. Brief reaction is a car that has been proclaimed’totaled’ by insurance and repaired and suggested for sale withsalvage title. After inspection by licensed shop. You need not havea re-sale license to buy or sell one.

What if your car was hit and it has a salvaged title dose the insurance co have to pay you the value of your car?

Insurance is meant to get you back relatively close to where you were before the accident occurs. The states view of your title should have no bearing.

My car was totaled. it already has a salvaged title. what will the insurance pay?

Can you insure a salvage title car?

Some companies will let you buy liability insurance. almost none will suggest total coverage. A salvage title means the car has already been totalled before.

Does state farm insure salvage titles?

Yes they do as long as the car is in as good working condition as a used vehicle. I presently own a salvage title vehicle that was considered salvage through state farm. It only suffered flood harm. I purchased the car and had it fix and now they insure my car. They even let me get total coverage!

Are cars with a salvaged title unsafe?

The salvage title is used to title a vehicle that has been paid out by an insurance company. This may be because professional repairs exceed 75% of the value of the car or may be because the car was stolen and not returned within the time required by law such that the insurance company must pay out the total value. Depending on the age of the car a salvaged car may have had no harm, very minor cosmetic harm, or major harm. A vehicle that is considered not repairable is instead titled as “junked”.

How can a clean title car be a salvage car?

If the engine is deep throated or if the possessor just determines that he would make more money off parts than the actual car

Can you put insurance on a salvaged title?

most insurance companies will insure a vehicle with a salvage title. As long as it is state certified.

Can you insure and tag a salvaged car?

Yes you can. Check with your motor vehicle department in your state. In most states, you will have to repair the harm, get the car tested and pass inspection before they will issue a salvage title. This process will take several months.

Can you put total coverage insurance on a car with a salvage title car in Minnesota?

On every auto application, there is a question will ask: “Does the vehicle have a salvaged or branded title?” If this is the case, you will not be able to put total coverage, (comprehensive and collision coverage) on the vehicle. Sometime you can get special exceptions from your insurance carrier to get the total coverage put on if all harm was repaired. It is much tighter to get total coverage on a salvaged title vehicle.

Can you put total coverage insurance on a car with a salvage title car in Georgia?

I know of no insurance company in any U.S. sate that will give you total coverage on a salvaged vehicle.

Do you need to pay for the child’s car insurance in addition to the child support you already pay?

You need to review your child support order and separation agreement that accompanied your divorce to determine what your obligations are. You need to review your child support order and separation agreement that accompanied your divorce to determine what your obligations are. You need to review your child support order and separation agreement that accompanied your divorce to determine what your obligations are. You need to review your child support order and separation agreement that accompanied your divorce to determine what your obligations are.

When a car has a Salvage Title can you get total insurance coverage on it in California?

I believe you can, butcollision and comprehensive would be atotal waste of your moneyon such vehicles and any responsibleagent should inform you of that before agreeing to sell you thepolicy. So while you can, you shouldn’t!

Do you need insurance for a salvage car?

You only need insurance if you are going to tag it and drive it. If it is just for parts or scrap, you don’t need insurance.

When your car is totaled but you don’t have the title will the insurance pay you?

It depends on why you don’t have the title. If you don’t have it because it is financed then yes. The insurance company will do the work for you of getting the title released from the bank. If you don’t have it because you don’t own the vehicle then no the company will not pay you. Legally they cannot pay you for a vehicle that you don’t own just like you cannot insurance a vehicle you don’t own. They also cannot pay the true proprietor because that person does not have a legal contract of insurance with the company. No one gets paid.

Is utter coverage insurance worth paying on a salvage car?

Usually not, collision and comprehensive only pay based onpre-accident value of the car, which for a salvage is very littleif anything. You will need liability and it might be useful to haveuninsured motorist.
 

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