40% LESS than a comparable clean titled car
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.
60% of the value of a comparable clean titled car.
The value of a salvage vehicle is roughly 60% of the value of a comparable car with a clean title.
The "z" suffix on a New Jersey title typically indicates a reconstructed or rebuilt vehicle, meaning the vehicle has been significantly repaired or reconstructed after being declared salvage due to damage. This suffix may affect the resale value and insurance coverage of the vehicle.
If it's still salvage about 20% of the value of a comparable clean titled car. If it's reconstructed/roadworthy about 60%
If the car is reconstructed, in good overall condition and roadworthy, roughly 60% of the value of a comparable clean titled car. If it's still damaged maybe 25%.
Assuming it's reconstructed/roadworthy, take 40% off the value of a comparable clean titled car.
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.
Salvage vehicle value is highly subjective but if the car was properly reconstructed and is roadworthy it is worth roughly 60% of a comparable clean titled car. Go to nada.com to get an idea of the car's value. If it's salvage but not roadworthy, maybe 25% of the value of a comparable clean titled car.
A salvage car or truck, once restored to roadworthy condition is worth roughly 60% of the value of a comparable vehicle with a clean title.
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.
It worth appx 60% of the value of a comparable clean titled car so if it is worth $5000 with a clean title it's worth roughly $3000 with a salvage title.