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You can put in an offer to buy the written off vehicle from the Insurers if you want to repair it yourself. A write off is beyond economical repair, meaning it costs more than the car is worth to fix it. It doesn't mean it cannot be repaired. There are different categories of scrapped vehicles, D, C etc. The Insurers sell the written off cars on to scrap merchants or motor traders to recoup their losses. You are perfectly entitled to buy the car back yourself for a nominal price. If the Insurers are settling your claim and giving you a settlement to get a replacement car, the damged vehicle does in effect belong to the Insurers. Hope this helps, I worked in insurance for 10 years.
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∙ 16y ago
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You own your car it was totaled Should you let the insurance company have it after they pay you?
This depends on what the settlement covers I have required the insurance company to allow me to retain ownership, this reduces the settlement. Or the if you do not specify that this is what you want the insurance company gets the car.
If you rented a car waived insurance assuming own insurance company covered it and then totaled car due to icy road conditions do you have to pay damages and other expenses?
That would depend on the agreement you made with the car hire company.
How do you declare the title of a vehicle you own as salvage?
can be done by insurance company at time it is totaled out by them
Why can't I get a rental car from the driver who totaled my car?
Presumably because the other driver's insurance doesn't cover that expense. Check into your own insurance policy to see if maybe your own insurance does.
Will at fault insurance buy you a new car after paying your car totaled?
No. They will give you the money for the value of the vehicle and then you are on your own. However, check with your state's Department of Insurance. You might have recourse against the insurance company if you are unable to find a comparable vehicle with the amount they gave you.
Husband totaled his car last year and the insurance company is charging us for his totaled car on new policy. Are they allowed to charge us for a totaled car that you don't own anymore?
When a car is totalled, it goes on your driving record. When insurance companies look up your record, they take that claim you made and make it part of the deciding factors of how much your premium should be. I had an at-fault accident last year and it did not total the car, however the insurance company hiked my rate 50 dollars. My best advice to you is shop around. Seeing a broker (someone who sells insurance on behalf of a certain number of insurance companies) may save you some time.
Can I insure a car titled under my uncle in Arizona?
The answer to this question is easy and is NO. You cannot insure a vehicle that you do not own. This is very important. If you did this and totaled the vehicle, the insurance cannot pay you for the damages because you do not own the vehicle and they cannot pay your Uncle because he does not have a contract of insurance with the insurance company.
You own an uninsured vehicle that was borrowed by a driver with out insurance in Florida she got into a no fault accident and the car was totaled. what is your recourse?
Its your fault
Totaled in a auto accident can I get my rims off of my car?
If you accept payment for the vehicle then the insurance company will own the wrecked car, rims and all. It's worth inquiring though, they may make some allowance in the offer they make if you keep the rims.
Can a request be made to an accident repair shop to declare a car totaled?
Ultimately, the decision to declare a vehicle a total loss belongs to the insurance company. If the insurance company is unable to have one of their own adjusters look at the vehicle, they will usually hire an independent. The repair shop can write an estimate and take pictures, but the insurance company will decide (based on state law and their own policies) whether or not the vehicle is a total loss.
When your car is totaled but you don't have the title will the insurance pay you?
It depends on why you don't have the title. If you don't have it because it is financed then yes. The insurance company will do the work for you of getting the title released from the bank. If you don't have it because you don't own the vehicle then no the company will not pay you. Legally they cannot pay you for a vehicle that you don't own just like you cannot insurance a vehicle you don't own. They also cannot pay the true owner because that person does not have a legal contract of insurance with the company. No one gets paid.
Do you have to accept the cash if your car is totaled or can you tell them that you want to have your car fixed?
If you have collision insurance, they will pay out up to 40-70% of the value of the car in repair costs. Over that amount, it is considered totaled., and they cut you a check for the value of the car. The percentages vary with companies, vehicle, etc. You don't have any say in it. If you have only liability insurance, you're on your own for the repairs.
