If vehicle is considered totaled with full coverage insurance

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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...

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UPDATED: Jan 31, 2019

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Insurance Question from Fort Worth, TX

Asked on 01/31/2019

If vehicle is considered totaled with full coverage insurance Auto still operational, if considered totaled because of repairs price; what happens to auto?

Answer given on February 05, 2019

If your car is declared a total loss due to damage from an accident or incident, the insurance company will pay you the amount they determine to be the current actual cash value of the car, less your deductible.

Usually the car is sold for salvage. However, some insurance companies will allow you to buy back the totaled vehicle for the amount they would receive from a salvage company. If you do this, obviously you need to make repairs to make it safe to drive if you want to continue to use the car.

Most insurance companies will allow you to insure the car again, but most will not allow you to purchase collision coverage. If they do, because you have made repairs to the body, they will reduce the value of the car in the event of another accident.  Sometimes the company will not offer collision coverage at all, but will allow you to buy comprehensive coverage.  Once again, the value of the car is reduced since it is a salvaged vehicle.  It will show this on the title of the car, so changing insurance companies would not make it any better a value for the car.

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