Auto Insurance On A Vehicle With A Salvaged Title

Cars with salvage titles usually are declared a total loss, meaning they are significantly damaged, and the cost to repair exceeds a certain percentage of the car’s actual cash value. Each state has different guidelines to determine if a vehicle should be rendered a total loss.

After obtaining a Nevada salvage title, you can keep the car, have it repaired, and apply for a rebuilt title once it passes inspection. Once it qualifies for a rebuilt/branded title, it can be registered, driven, or sold. If you plan on driving a vehicle with a salvage title, you need auto insurance for it. Before getting to the insurance part, as mentioned above, your car must have repairs done, pass a vehicle inspection, and have a rebuilt title.

Auto Insurance For a Salvaged Title Car

If all you have is a standard salvage title, it can be extremely difficult to get insurance since the car is not deemed legal to drive. It’s recommended that you first get the rebuilt title then work on getting some level of auto insurance coverage.

Repairing the Vehicle

After purchasing your salvage car, you will need to make repairs to it so that it can be deemed safe for driving. Prior to making the repairs, you need to have a DMV inspection done at a Nevada DMV office where you’ll be issued an Authorization for Vehicle Restoration. Ensure you entrust the service of a certified mechanic, maintain all paperwork on the vehicle, and take lots of pictures before and during the repair process.

Final Inspection / Rebuilt Title

After the repairs, you’ll need to take your car to a full-service DMV once again for a final inspection. You’ll have to fill out the necessary forms to have the vehicle inspected. Once it has passed the inspection, you can apply for the re-branded title. Key to note is that your vehicle can never get a clean title, and will always be a rebuilt title, to help future potential buyers of that vehicle recognize that it was formerly branded as salvage.

Getting Auto Insurance for a Rebuilt Title

Many auto insurance companies will write a liability policy but are wary of extending full coverage policies on rebuilt title cars. The main reason for this is the insurer can find it challenging to figure out exactly how much a car with a rebuilt title is worth and whether the damages are due to the new accident or one that made the vehicle to be branded salvage in the first place.

Trust Nevada Insurance Enrollment To Guide You

There are several insurance companies in Las Vegas, Nevada that offer auto insurance coverage for rebuilt salvage cars, so you can get yourself as much coverage as needed to drive your car on public roads. The process, however, is not as straightforward as for cars with clean titles, and that’s why you need to work with a knowledgeable auto insurance agent. Our experienced agents will advise you with any difficulties that may arise and help guide you in your decision to insure your rebuilt salvage vehicle.

Talk to a Nevada Insurance Enrollment auto insurance agent today, and let’s help you compare quotes to get your best rate.