Car Insurance Company Billings Montana MT
Reader’s Question:
I got into an accident a few months ago here in Montana and my car was deemed a total wreck by my insurance company. My friends and I are planning to restore the car but I’m not sure if my car insurance would still cover it, after having been “totaled.” Is it possible to have my car insured after being restored?
Allen
Billings, MT
If your car insurance company assessed your car and considered it as a total loss, it would be more difficult for you to have it insured. A vehicle that is re-used after an accident may carry different titles, depending on the state where you’re in. In your case, since your car was declared a total loss before you had it fixed, it would probably have a “salvage” title. A salvage title is given to those vehicles that were once damaged and considered as a total loss. Most often than not, automobile insurance companies don’t give insurance to salvage vehicles for the reason that it is no longer considered as a “safe” vehicle for the driver, and an unsafe vehicle poses more risks than those vehicles that were not deemed as a total loss. However, there may be instances wherein an insurance company would give insurance to the salvaged car depending on certain scenarios, such as if the car is an old model or if the repair made the car ready for operation. Otherwise, the car insurance company may consider the car reusable but only for its body parts, and for this matter an insurance is no longer needed. If you car is considered as “rebuildable,” you may want to try asking around Montana to see if there are any insurance companies who would consider giving you an insurance. Just make sure that your premium is reliable because your status now would be “high risk” with the kind of vehicle you’re driving.
Tags: auto insurance, Car Insurance Company