A salvage title is a title issued for a car that an insurance company has declared a total loss, meaning the vehicle is too damaged to be worth repairing. The salvage title will stay in place unless the car is repaired and inspected, after which the driver can get a “rebuilt” title and legally drive the car again.
After it’s damaged, a car could also be designated “non-repairable” or issued a “junk” title. That would mean the damage is so extreme that no one is even allowed to rebuild the car. Instead, the vehicle could be sold for parts or destroyed.
Since a salvaged car is less damaged than a non-repairable car, you’re allowed to rebuild it. However, some insurance companies worry that rebuilt cars aren’t worth their sticker price. The quality of the repair work matters a lot, and issues could still show up down the road.
That doesn't mean you can't get insurance for a car that previously had a salvage title. It just means that you might have to search a little harder to find insurance, and that you might not be able to get the same coverage you could get for a non-salvaged car.
There are a few major insurers that sell coverage for previously salvaged cars, including Progressive and The Hartford.
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