Does an auto insurer own your car after they claim ut a total loss?

I have the title and paid off my loan.

Asked on July 6, 2012 under Accident Law, Massachusetts


FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 8 years ago | Contributor

If one owns a car that has been paid off in full and the car is in an accident where it is deemed a "total loss" by one's insurance carrier and the carrier pays the car's owner the fair market value of it, upon receipt of the settlement check the car's owner is obligated to transfer legal title to the "totalled" car to his or her insurance carrier.

Once accomplished the insurance carrier now owns the car.

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