Does full coverage insurance cover a totaled car?

Yes, full coverage insurance will cover a totaled car. The main parts of full coverage that will cover a totaled car are comprehensive insurance (if your car is totaled by something like a natural disaster), collision insurance (if you cause the accident), and liability insurance (if the crash is another driver’s fault). Full coverage can pay up to the actual cash value of your totaled car, minus any applicable deductible.

What Full Coverage Insurance Covers

• Injuries to other people or damage to other people’s property if the policyholder causes an accident.
• Any damage to the policyholder’s vehicle if they are at fault for a crash.
• Damage to the policyholder’s vehicle caused by something other than an accident, such as a tree falling on their car or theft.
• The policyholder’s medical expenses after an accident, regardless of fault (in certain states).
• The policyholder’s injuries and property damage after an accident with a driver who does not have insurance or does not have enough insurance to cover all of the damage they caused (in certain states).
• Any remaining loan or lease balance if you happen to owe more on your totaled vehicle than it is worth (and you have gap insurance).

Full Coverage for Previously Totaled Cars

If you own a car that was previously totaled and you want to get a full coverage policy for it, you may run into some difficulties. Insurance companies are hesitant to insure previously totaled vehicles, even if they’ve been fully repaired, because the risk is much higher. Some insurers will only offer a minimum coverage policy for a previously totaled car, or a car with a previous salvage title, because the actual cash value is very difficult to determine on a totaled car.

To learn more, check out WalletHub’s guides to full coverage insurance and totaled cars.