Question

My "totaled" car was barely damaged. Is it still possible to get full coverage on it?

Our insurance company totaled our car, but there was no structural damage, only a few scratches and dents. We chose to buy the car back. Can we get full coverage on the car again? So far we only have liability. There is no lien on the car.

Aug 19, 2019 Gladwin, MI

Answer
Ross Martin

Aug 19, 2019

Hello, Car insurance companies typically total a car when it costs more to repair it than what the car is worth. Since it has already been totaled, it's highly unlikely that a car insurance company would be willing to give you full coverage (comprehensive and collision) for a rebuilt title vehicle. Some companies may not be willing to insure the vehicle at all, not even with liability. You'll probably only find liability coverage at best, but it doesn't hurt to shop around. The Zebra can quote you with many companies at once, allowing you to get a good picture of your available options. Thanks for your question. If you have any further questions, don't hesitate to ask.

Compare auto insurance rates and save up to $670 per year!

Location pin icon