old_man
NAXJA Forum User
- Location
- Loveland, Colorado
Have any of you had any problems getting insurance on a vehicle with a salvage title? All I want is liability. I hear many companies decline to write policies on salvage title vehicles.
Salvage title and insurance
- Thread starter old_man
- Start date
YELLAHEEP
NAXJA Forum User
- Location
- Littleton, Colorado
Some require a roadworthiness inspection. Others will without it but not if financing is involved. The only time I've insured a salvage title vehicle was with State Farm and it was no problem to get liability.
smokeyyank
NAXJA Forum User
- Location
- Littleton, Crawlarado
Depends on the insurance company. Some time they will others wont. I had a problem getting insurance back on my XJ after hail a few years ago, because it was deemed a "total loss" but not a salvage vehicle. Are you getting push back from your insurance?
thejeepgod
NAXJA Forum User
- Location
- CO
I have never had issues with state farm. They insured it the same as anything else.
old_man
NAXJA Forum User
- Location
- Loveland, Colorado
No I am just getting ready to deal with getting my vehicle repaired after it was hit by another party. I just need to know my options. I only run liability. I am preparing my response if they try to total it out and low ball me.
smokeyyank
NAXJA Forum User
- Location
- Littleton, Crawlarado
Insurance sucks, such a scam. Best of luck with it all.
- Location
- Golden, CO
If the payout is low, the buy-back should be even lower.
zluster
NAXJA Forum User
- Location
- Colorado Baby!
I have comprehensive on my vehicles with salvage titles. Had a couple of checks cut for my yellow XJ without any questions asked. Sum total paid by my insurance company to cover damage is now double what I paid for the Jeep in 2006.
Wish I could buy a 6 year old XJ with 68k on it for $2200 again. It'd be even less if Troy didn't jack up the price on me.
Wish I could buy a 6 year old XJ with 68k on it for $2200 again. It'd be even less if Troy didn't jack up the price on me.
Insurance company stated a totaled vehicle can only be insured for liability . Once the insurance company cuts you a check as ...totalled...vehicle they will not insure it beyond liability . So once they cut that check and you buy it back it will be insured as liability .
collkid
NAXJA Forum User
- Location
- Highlands Ranch, Colorado
I've had a few salvage title vehicles. They didn't even blink when I only wanted the most basic insurance. Cheap and easy.
Frank Z
NAXJA Forum User
- Location
- Colorado Springs
No problems getting liability insurance on mine.
- Location
- Colorado Springs, CO
Zac's 97 had a salvage title, and a teen age driver. We had liability on it.
xj-grin
NAXJA Member #1096
- Location
- Colorado Springs, Colorado
I've had several, no issues, State Farm, USAA and Farm Bureau. My Titan was salvage and I had full coverage and financing!
rockfrog
NAXJA Forum User
- Location
- Colorado Springs, CO
I had one of my 99's with full coverage and rebuilt title. If it gets totalled again expect the actual cash value to be cut in half.
Last edited:
rockfrog
NAXJA Forum User
- Location
- Colorado Springs, CO
Until you need it. Would'nt you rather pay $60 a month for liability coverge than ever have to come out of your own pocket for something your'e responsible for doing?
smokeyyank
NAXJA Forum User
- Location
- Littleton, Crawlarado
Knock on wood, never had to deal with that. Only times I've had to deal with insurance is getting cars stolen and having to fight to get a fair value for replacement. I just get more chapped about paying full insurance for multiple cars even though I can only drive one at a time.
DutchVDub
NAXJA Forum User
- Location
- Milliken, CO
Nope, each car costs X amount of dollars. They give you a discount for multiple vehicles. It should be based on the most expensive car, and then you just pay like 10$ more per car.
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