Why can’t you get comp and collision insurance coverage on a salvaged vehicle?


Hi this is Nancy Nicklow, the president of Huff Insurance thanks for joining us today We're recently asked by a customer why they could not have comprehensive and collision coverage on a vehicle that had a salvaged title

Well a salvaged title means that the vehicle has already been totaled and that someone bought it back for the scrap or the salvage It doesn't necessarily mean that they did the repairs or that they didn't do the repairs to the vehicle to make it drivable again, but it does mean that the vehicle has once been totaled Since the vehicle has once been totaled the insurance carriers are not willing to offer physical damage coverage again on that vehicle because they do not want to be trying to determine what was repaired, what was not repaired, what the vehicle was prior to the loss before the salvage or after the salvage and the repairs were made So unfortunately, if you buy a vehicle with a salvaged title you will not be able to obtain comprehensive or collision coverage on that vehicle This is something to keep in mind when you are purchasing vehicles just so that you know that what you're going to be limited to is just going to be liability coverage

If you have any additional questions about personal auto coverage, please reach out to my team here at Huff Insurance, we want to earn your business

Source: Youtube

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