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The insurance company will not know that the vehicle has been reconstructed unless you tell them up front. The problem comes if you have an accident or claim which totals the vehicle. The value of a vehicle that been a total loss is far less than a vehicle that has not so the company will evaluate the value of your vehicle at a far lower amount when time to pay you in a total situation. This is a fact that you need to be aware of in case you do total the vehicle again. The company is obligated to pay you the value of the vehicle at the time immediately before your accident. This is fair as you pay far less for it versus buying an undamaged vehicle but you will pay premiums the same as anyone else.

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โˆ™ 2015-09-03 00:17:46
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Q: Can you get insurance on a reconstructed title car?
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How do you get a car a reconstructed car title?

My vehicle was totaled according to the insurance company. I cannot collect any money from the ins co unless I have a reconstructed title. How can I get a reconstructed car title


Can you get insurance on a car with a reconstructed title in Oregon?

If by reconstructed title you are referring to a vehicle that had a prior salvage title, I would think you could, contact an agent in your area. == Absolutely! No problem whatsoever. Keep in mind that a reconstructed car is worth roughly 60% of the value of a similar car with a clean title so if you total the car you will get less than real market value but hopefully you paid less for the car so it won't matter.


what can you tell me about this car?

Why does this car have a reconstructed title?


Get you get full insurance coverage on a reconstructed title?

Yes you should be able to.


If a car has a New Jersey Salvage title would you have to get the salvage inspection done in NJ or could you do it in NY to get the reconstructed title?

depends on where you live, if you live in NY then you need to transfer the title to a NY salvage title. Then, you can apply for a reconstructed title there. Here in NJ, dont have a "reconstructed title". you have to apply for a salvage inspection so that theyll give you a clear title.


Can a rebuilt title be cleared and will there be any problems retitling a rebuilt title car if I buy one in Indiana?

no, once it has a reconstructed title it will always be...


Clearing salvage title?

Nope. Not legally anyway. The best you can do is totaled/reconstructed' if the car is roadworthy. Once issued a salvage title a car can never be issued a clean title legitimately.


Hi you were in an accident two years ago your car had front end damaged that was fixed professionally by a reputable dealer your vehicle runs and looks like new Is your car still a salvage vehicle?

Once a salvage title is given to a car it remains a salvage or totaled/reconstructed car. It will never legally have a clean title again. This assumes the damage was reported to an insurance company and they totaled/paid out on the car.


How much is a vehicle worth with a reconstructed title?

60% of the value of a comparable clean titled car.


How do you get a clear title in Florida And How much does a salve vehicle title markdown the price?

Once a salvage always a salvage or totaled/reconstructed; you cannot legally get a clear title the brand will remain. A reconstructed and roadworthy salvage car is worth 60% of the value of a comparable clean titled car. If it's still salvage maybe 25% of the value of a comparable clean titled car.


What is the value roughly of a vehicle with a reconstructed title?

40% LESS than a comparable clean titled car


Can i have a car and title under my name and be added to my fiance's insurance policy without the car legally becoming his?

yes, the insurance policy is different from the car title (title is government, insurance is business) in most states, if you live together, you are both required to be insured on the car.


Can you still drive your car if insurance company has title?

Um, why does the insurance company have the title???? The only reason that the insurance company would have the title is because the car was totalled from damage. Something is very wrong here.


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?

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.


They sold you a car and you want to know if its a blue title or salvage how can you find out?

Hmmm... you bought a car without getting a title? NOT a good idea. The title will state whether the car is clean or salvage or totaled/reconstructed. If you didn't get the title when you purchased the car you better make sure the car wasn't stolen. Call the state DMV with the VIN number for starters. They'll be able to give you some info on the car and the title.


Can you get car insurance without having a title?

depending on the state you live in you COULD get insurance without owning a CAR. Ask your insurance professional about it.


Can you change a reconstructed title back to normal title after repairs to vehicle?

If you find a state that does not have reconstructed titles, and register the vehicle there, you may be able to do it.


Does my insurance cover a friend driving my car?

yes because if you have insurance on your car as long as you name is on the title and you were in the car with your friend most likely the insurance will cover it


What to do if your car's registration and insurance papers are stolen but you still have the car?

You should still have the title to the car. If you take the title to the Dept of Motor Vehicles they will have record of your car's registration and will issue you new papers. The insurance company will also have record of your policy and can issue you a new insurance card.


What if you don't have insurance on a car but need to get a replacement title in WV?

You will have to buy auto insurance on the care before you can transfer the title.


What happens if you Car title loan in default and car is totaled?

Typically you need a car with insurance to get a title loan. If your car is totaled, the loan company are entitled to that money since they hold the title for your car.


Do you need to have insurance on a car when transferring the title?

No


What is title insurance for a car?

Insurance against any financial loss from defects in the title. Normally used in deals involving land.


What is a reconstructed title mean?

A reconstructed titled car is a car that was severely Damaged/Totaled and then a repair person or shop builds the car back up well enough to pass inspection. One should be very carefull if buying a vehicle like this because seller might not take it back or give refund. Vehicle might look fine at first but fit and driving ability may be weak or altered and when you get ready to sell the car yourself, it may be difficult or you may have to take a huge loss. NEW ANSWER A reconstructed title is a salvage car that has been repaired to be roadworthy. They are not always severely damaged, it just depends on the value of the car at the time of damage. It doesn't take much to total an older car, it takes a lot to total a new one. Personally, I would only buy a reconstructed vehicle that was at least 8 yrs old and I'd get it inspected by a pro prior to purchase. Sometimes a small fender bender will total an otherwise decent car. Keep this in mind though: a reconstructed car is worth about 60% of the value of a comparable clean titled car.


If one is the primary driver for the car in terms of insurance but does not possess the title for the car is the insurance valid?

It is if you are listed on the policy as a driver.