Will your insurance company cover a rebuilt title vehicle?

[Exhaustgases]

As long as all you are spending to purchase a Rebuilt title vehicle is $2000. or less then yes.
Like mentioned once you buy it, you almost can't sell it, less its just the parts.
I don't even want a car with a wreck history, unless the price is dirt cheap.
Its very difficult to find non wrecked or non rebuilt title used cars nowadays.
I spent hours and hours hunting to replace the wifes totaled car.

 

[JTK]

Hmm. State farm had no problem giving me full coverage, even including 0 deductible on the comp.

This discussion seems to be filled with speculation. A lot of "I heard", and very little personal experience. All those above that are quoting personal experience, are all saying that they were able to get insurance.

I was able to see the co-part auction listing w/ lots of pics for my vehicle, so I know what it looked like before the "flippers" I bought it from repaired it. I wouldn't buy one with out at least having access to that.

 

[Elkins45]

My State Farm agent told me they would cover them, including collision.

 

[Rutwad01]

I currently have State Farm coverage on my rebuilt Silverado

 

[Pilotdog68]

I have full coverage on 2 rebuilt titles with State Farm, but I'm looking to switch. Anybody have a rebuilt with full coverage from Progressive or another carrier?

 

[motorcity]

I have 3 rebuilt title vehicles fully insured. Although my Insurance agent recently told me AAA of Michigan does charge higher rates for rebuilt titled vehicles. Probably more odds of them totaling them out, if I get in a decent wreck.

 

[Pilotdog68]

I have 3 rebuilt title vehicles fully insured. Although my Insurance agent recently told me AAA of Michigan does charge higher rates for rebuilt titled vehicles. Probably more odds of them totaling them out, if I get in a decent wreck.

Are you with AAA or someone else?

 

[motorcity]

Are you with AAA or someone else?

I'm with AAA.

 

[Stumpy]

My biggest fear of buying a "salvage title", "rebranded" or "rebuilt" vehicle is the unknown of what was compromised in the chassis. Are the crumple zones or structures that are factory designed to collapse under impact compromised and "repaired"? Will these area's hold up under another impact and crumple properly? I ain't willing to find out that they wont. Now if you know it was nothing but hail damage, then go right ahead but structural damage? No way.

 

[motorcity]

My biggest fear of buying a "salvage title", "rebranded" or "rebuilt" vehicle is the unknown of what was compromised in the chassis. Are the crumple zones or structures that are factory designed to collapse under impact compromised and "repaired"? Will these area's hold up under another impact and crumple properly? I ain't willing to find out that they wont. Now if you know it was nothing but hail damage, then go right ahead but structural damage? No way.

You can usually find the auction pictures of a vehicle, so you can see the damage prior to it being repaired. Just google the VIN #.

 

[andrew_j]

I would think it would be such an easy button for insurer to charge you same for insurance and pay you salvage title prices when an accident occurs.

 

[CKN]

I have 3 rebuilt title vehicles fully insured. Although my Insurance agent recently told me AAA of Michigan does charge higher rates for rebuilt titled vehicles. Probably more odds of them totaling them out, if I get in a decent wreck.

So-one way around the high cost of used vehicles. Although-GON states that in the current market even salvaged vehicles go for a lot more than previously. Which make sense.
Do you ever have any concerns sensors and airbags not operating properly in the event of a serious accident-with family mebers driving them?

 

[CKN]

My biggest fear of buying a "salvage title", "rebranded" or "rebuilt" vehicle is the unknown of what was compromised in the chassis. Are the crumple zones or structures that are factory designed to collapse under impact compromised and "repaired"? Will these area's hold up under another impact and crumple properly? I ain't willing to find out that they wont. Now if you know it was nothing but hail damage, then go right ahead but structural damage? No way.

Exactly. But some think they are impervious to accidents....for some reason.

 

[Chris142]

State Farm had no problem covering my E350, which has a rebuilt title.

My mom had state farm and when we had her car repaired with a salvage title state farm would not insure it.

 

[motorcity]

So-one way around the high cost of used vehicles. Although-GON states that in the current market even salvaged vehicles go for a lot more than previously. Which make sense.
Do you ever have any concerns sensors and airbags not operating properly in the event of a serious accident-with family mebers driving them?

I have no concerns on airbags not going off. If their as an issue with the system, I would have a DTC. The key to buying totals, is really looking them over, and try not buying anything with bad frame damage. One thing I look at is the front stut towers and if the engine looks off position, if it is a front impact.

 

[johnmyster]

I've had full coverage on two repaired title vehicles. I had a total loss in one of them and had enough photos and maintenance records to argue value against non-branded comps. The comps available nationally with branded titles were all incomparable (mileage, rust, etc.) so the only legit comps were non branded, so it worked in my favor.

 

[johnmyster]

I would think it would be such an easy button for insurer to charge you same for insurance and pay you salvage title prices when an accident occurs.

This. They don't discount your rates for the lower value. In my locality, you do get a good discount on property taxes.

So definitely pull trim and take photos of areas that were fixed so you can prove it was done well or show isolation of prior damage to things that were replaced. An alignment print showing it met factory spec helps.

When the at fault insurance offers you less, ask to see their comps, and then begin the conversation. The less you are in a hurry to get paid the more leverage you will have.

 

[f355spider]

A friend in the business stated that there was little money in a properly fixed rebuild- so expect shortcuts. Saying that, if it's properly repaired and inspected, I don't see a difference, except when selling.

This! That is exactly why they are not fixed by the insurance company. The simple economics of it don't work.

My body shop guy also runs a side business in post repair inspections...you would be shocked at what shortcuts shops take to get a car out the door. Some is just shoddy cosmetic stuff...some is structural and completely unsafe...so in the next collision, it could kill you because the car was improperly repaired. A few times he has to call the insurance company after inspecting a repaired car, and not let the customer drive it, because it was unsafe. He said when you use an "insurer recommended body shop" the shop accepts lower per hour labor rates to get this business directed to them...but in order to make money at the lower rates, they often perform short cuts in areas you cannot see.

This is what started his consulting business, because it has become so prevalent in the autobody industry.

 

[Gus_Mahn]

Probably had 10 rebuilt title cars. Never any issues with insurance, but only had one claim. I do know if your car totals, you're only going to get 60-80% of clean value no matter how nice it was.