If an insurance company is totaling out my car but it still works and I don’t

want to lose it, what should I do?

Asked on September 7, 2016 under Accident Law, Texas


B.H.F., Member, Texas State Bar / FreeAdvice Contributing Attorney

Answered 4 years ago | Contributor

Most insurance companies will give you the option of buying back the vehicle.  However, if you elect the buy back option, you will be responsible for the repairs out of your own pocket.
The other potential option is to challenge their determination that the car is 'totalled.'  They declare a vehicle totalled when it costs more to repair it than the blue book value of the vehicle.  If you can get an additional quote or two and demonstrate that the repairs would be cost effective, you may be able to dispute the determination that your vehicle is 'totalled'

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