Its not for you to decide. Your argument is moot. If you don't like it become a Underwriter and get a CLU designation and start you own insurance company.
What insurance companies won't insure rebuilt cars?
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I heard TX and OK, they will insure anything.
But I read here, that is not so with other state.
You can check comifornia???
It looks like you live in the DC area, you can research it in your state or territory, see if that is so.
That is my suspicion but I can be wrong.
So prove it wrong!!!!
You did not know the power of the government yet?
Look at how many states still close, that same state, I bet, will have this sort of rule.
By the way, I just heard last night, the state of Oregon will not allow any Diesel engine vehicle.
In Ohio, a salvage title is given to a "totalled" car and it's only for proving ownership. You can't get temporary or permanent plates with a salvage title, you can't drive on the road, etc. If you repair the vehicle, it must be inspected by the highway patrol and if it passes, they authorize it to receive a rebuilt salvage title.
It's not as complicated as you are trying to make it. With most policies or for regular, road vehicles, insurance companies won't insure a vehicle that's not allowed on public roads, i.e. the state won't register it or allow plates for it.
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This is where the confusion, mixed messages happens. A rebuilt title issued by the DMV of one state, may be a salvage title in another state. The definition of rebuilt and salvage varies by state- it is not a exact term.
A vehicle that has been repaired extensively to restore it to full operations may have a rebuilt title. This vehicle may be considered safe to be on the road. In some states, these titles are still called salvage titles.
Kind of like the definition of rape and sexual assault varies state by state. In some states, a man can't rape another man, but can sexually assault that man. In another state, a rape can only occur if it involves vaginal penetration. So forced anal penetration by a male suspect to a female victim would be sexual assault- not rape in certain states.
Bottom line- the definition of salvage certificate, salvage title, rebuilt title, and reconstructed title varies state by state. There is no one answer that is correct. The right answer is "it depends".
Rebuilt/Reconstructed Title
A vehicle that has been repaired extensively to restore it to full operations may have a rebuilt title. This vehicle may be considered safe to be on the road. In some states, these titles are still called salvage titles.
Kind of like the definition of rape and sexual assault varies state by state. In some states, a man can't rape another man, but can sexually assault that man. In another state, a rape can only occur if it involves vaginal penetration. So forced anal penetration by a male suspect to a female victim would be sexual assault- not rape in certain states.
Bottom line- the definition of salvage certificate, salvage title, rebuilt title, and reconstructed title varies state by state. There is no one answer that is correct. The right answer is "it depends".
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Which is why title washing is a thing.
In any case in my state there's a way to get it done (https://dor.georgia.gov/titles-rebuilt-or-restored-vehicles)
Maybe 20, even 10 years ago. Now it's not really an issue since all states forward a salvage or rebuilt brand to a new title and run the vin through the salvage car database that insurance companies are required to post in when salvage it declared.
most states require inspection by their state patrol to seek a title on repaired / rebuilt vehicle.
Once it clears their inspection for possible theft & safety function, the insurance industry throws no fits about covering it.
Usually involves an appointment, a fee attached when you pay to register, & a trip permit or a trailer to the inspection station.
(edit: once you have the proper paperwork from the State Patrol, that pretty much forces the insurance industry to accept your $$$$,
proving you have a road-worthy vehicle, i.e. not just your personal opinion)
Not even rebuilt but neither
Liberty
National
Allstate
Nor Geiko
will insure my old/obscure cars with liability because they don’t recognize the vin
Both a Miles zx40 and a 1981 Comutacar that I have about a dozen rejection letters from a bunch of places I don’t remember , even haggerty says it won’t because I just want liability and need a garage with full coverage for them to consider
I think this issue is somewhat regional as I had insurance until the state made insurance mandatory and banned stacking policies
After that change my insurance dropped my old cars off the policy
Generally a rebuilt title car is a greater risk. A car can be rebuilt shoddily.
A salvaged title car can mean many things. A salvaged title is given when the repair cost exceeds the value of the value, or if the repair falls into a certain percentage of the value of the vehicle. I’ve seen some silly salvage title examples, basketball denting the roof of a car, and bird poop etching the paint on the hood and roof of cars. Those cars are mechanically fine.
A salvaged title car can mean many things. A salvaged title is given when the repair cost exceeds the value of the value, or if the repair falls into a certain percentage of the value of the vehicle. I’ve seen some silly salvage title examples, basketball denting the roof of a car, and bird poop etching the paint on the hood and roof of cars. Those cars are mechanically fine.
There are specialty insurance companies for those. Grundy, Condon & Skelly, Haggerty, etc.
I have Geico, I’ve used them for almost two decades. They insure all my vehicles including ones built prior to 1981 with non standard VIN’s.
As someone mentioned earlier the non-standard risk insurance companies will usually write at least a liability policy on a rebuilt/salvage/branded title vehicle. They may not write full coverage or if they do the prior salvage title will reduce the total loss valuation the next time around in the event it is a total loss again.
My understanding is they will give liability for the rebuilt vehicle only. However won't cover Comprehensive/Collision on rebuild. Guessing the prospective owners don't have cash and are trying to finance which leads to requiring Comprehensive/Collision insurance. Are these cash buyers?
Nope, cash buyer.
I've had Geico and Progressive insure rebuilt cars... an 8-year old Cutlass Ciera and 6 year old HHR. Both cars ran fine, had good alignments, and lived full lives. They got liability only.
Geico insures my 1966 Biscayne, but it took them longer than promised (2 days vs 1 hour) to manually accept the VIN. It's regular drive-anyday liability coverage, nothing special.
Geico insures my 1966 Biscayne, but it took them longer than promised (2 days vs 1 hour) to manually accept the VIN. It's regular drive-anyday liability coverage, nothing special.
Again moot point this is a MD title with a rebuilt brand on the title. So saying TX and OK will insure anything is idiotic, and btw isurability is de
You're talking about ISO or lexis nexis, but insurance companies are not required to report to the data base. Plus its a subscition service so small companies dont subscibe to it. I've used ISO and can tell you its very cumbersome and relies on the adjuster to input the data CORRECTLY. When you have 100 plus files and 60 phone calls, ISO reporting is not a priority. Also states have different percentages of ACV vs repair that totalsa vehicle. The insurance company may do a constructive TL, that does not meet the states percentage for a salvage title, in that case the TL department will get a rebuildable branded title. The ONLY exception are flood vehicles which are issued salvage/non rebuildable/ flood vehicle in which case some states mandate that the vehicle be destroyed.
Actually I was talking about NMVTIS.
I guess Frankenstein vehicles are harder to come up with actuarial numbers on. Surprised they don’t just surcharge them with a hefty fee.
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