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Old 02-21-2014, 04:25 PM   #1
RazorGT
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Default what happens if a car gets totaled?

i know that if a car is damaged beyond its value the insurance comapany totals it and gives you value for the car - but after that do they take your car? or can you take the money they give you and combine with the rest of your money to get it back on the road?

Also is it true that once a car is totaled or if a car is very old/high milage, they will not let you get full coverage?

btw which company do you go with? i currently have Liberty Mutual and they have been amazing as far as price (got 1k deductible, full coverage for cheaper tahn any other company would give me)

but I will be 25 in april and they gonna renew my policy in March so i will have to be stuck with same rate for another year, so thinking when I turn 25 I will go with another company for a year or so - which one do your recommend?
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Old 02-21-2014, 04:28 PM   #2
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I have full coverage on my focus, it has a salvage title.

If an insurance company totals your vehicle and gives you money for it, they own it and take it from you to sell at an insurance auction. You have the opportunity to take a smaller amount of money and keep the car.
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Old 02-21-2014, 04:31 PM   #3
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I have full coverage on my focus, it has a salvage title.

If an insurance company totals your vehicle and gives you money for it, they own it and take it from you to sell at an insurance auction. You have the opportunity to take a smaller amount of money and keep the car.
right on thanks, I was just wondering - I've deicided to go with Esurance because I hear they are really awesome reviews and the site that lead me to choose liberty mutual has it as #2 (they got liberty mutual as #1 lol)
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Old 02-21-2014, 05:48 PM   #4
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Ugh. "Full coverage" is a meaningless term. People like to say they have full coverage, but if you've ever actually done your homework when you buy insurance, you know why the term "full coverage" has no meaning. Insurance coverage is based on the limits of your policy, you can get minimum coverage allowed by your state up to any amount. There is no such thing as a "full coverage" policy, I'm guessing that term exists because of insurance salesmen and uneducated consumers.

I use esurance, at first because they were cheap and easy to deal with and I've never heard horror stories about them. I've kept them because they've had good customer service. But I've never been at fault in an accident so I've never been under pressure to have my insurance cover anything.
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Old 02-21-2014, 08:33 PM   #5
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When people say they have "full coverage" I'm guessing most of them mean they have comprehensive coverage so they are supposed to get at least blue book value out of their car if they are at fault in an accident.
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Old 02-21-2014, 09:19 PM   #6
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When people say they have "full coverage" I'm guessing most of them mean they have comprehensive coverage so they are supposed to get at least blue book value out of their car if they are at fault in an accident.
Yes, I'm sure they mean something. For example, I'm certain you meant something, but comprehensive coverage doesn't cover your car in an accident, fault or not.
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Old 02-21-2014, 10:54 PM   #7
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1. A $1000 deductible is asinine.
2. "Full coverage" means comprehensive AND collision protection.
3. Arm
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Old 02-21-2014, 11:21 PM   #8
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1. A $1000 deductible is asinine.
2. "Full coverage" means comprehensive AND collision protection.
3. Arm

Fwiw, a $1000 deductible on my collision coverage has saved me far more than $1000 over the last 4-5 years. In fact, I wish I had chosen a higher deductible, because I'm not an idiot driver. In fact, the only reason I can think of to pay for collision coverage is because the world is full of idiot drivers and cell phones and proving fault is impossible in some cases.

What about property and injury limits? What do I need for limits to meet the insurance salesman's creative idea of "full coverage", since that's about half of my premium?

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Old 02-22-2014, 12:03 AM   #9
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Is OP 99gtvert?
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Old 02-22-2014, 11:12 AM   #10
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Is OP 99gtvert?
Aren't we all 99gtvert?
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Old 02-22-2014, 11:12 AM
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