can i reject SUV even if less than 50% damage?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Sep 14, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Everett, WA

Asked on 09/14/2012

can i reject SUV even if less than 50% damage? I got into a car accident on a 2009 lexus Rx350 the value of the car is around 30k but the damage is around 8-10k. it is my wifes car and she doesnt want to drive a car that has been in an accident can i refuse the car and ask for a check to buy a different one and let the insurance sell it in an auction?

Answer given on September 16, 2012

When there is an auto accident the insurance company determines if the damages are greater than the value of the car. If the difference is not close, as in your case being $8k-10K vs $30k, the insurance company will elect to repair the car rather than replace it. You cannot make the insurance company settle to give you another vehicle and take the damaged car.You can have the car repaired and then sell or trade it in for a different car. The insurance company will not have a problem with this, but if you choose not to repair the car and keep the money, you will not get much value as a trade in. It is recommended that you repair the car and then sell it.The damages to the car do not seem to be excessive to the point that the car would not be safe to drive. If your wife does not want to drive a repaired car, ten you can simply sell it, but don’t expect the isnurance com;any to take the car and sellit at auction

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption