Resuscitated vehicle insurance with salvage title in California 2021

Looking for a great deal on a car in the state of California? Depending on the amount of money you would like to spend on a vehicle, a salvage title vehicle can seem very tempting. Understanding the salvage title vehicle laws in California can be very beneficial in your decision-making process. Most people know that auto insurance is required in order to legally drive a car, but can you insure a salvage title vehicle in California?

What does California consider to be a rescue vehicle?

Many different things can take into account that a vehicle becomes a salvage. Most states, including California, meet the 80 percent standard. If the damage costs 80 percent or more than the value of the vehicle at the time the damage occurs, then the vehicle will be reported to DMV for a salvage title.

    • Serious accident
 
  • Flood
  • Vandalism
  • Even theft

Pro Tip: Be careful when buying a vehicle that was totaled (or even not totaled) due to flooding. Floods can cause extensive damage and a large amount can be hidden where it cannot be seen. Make sure a mechanic of your choice has thoroughly inspected the vehicle before reaching a settlement. Everyone is often advised to avoid a flooded vehicle because it poses too many problems.

A salvage title vehicle is ideal to be detached, but it is not safe enough to drive on the highway. It is not suitable to be insured either.

Once a vehicle gets a salvage title, it is often sent to the junkyard. It is not legal to drive a salvage title vehicle in California.

What is a revived ransom title?

Let California call a rebuilt salvage title a revived salvage title. Much more appropriate, don’t you think? Whether you use the term rebuilt or revived, it means the same thing.

A reactivated vehicle has been repaired and returned to fully operational after the owner or insurance company reported a total loss. It is very important to get revived status on the salvage title before purchasing auto insurance and handling it. The CA DMV sets out the steps to get a vehicle approved for a resurrected salvage title.

How to secure your revived California title recovery

California minimum auto insurance laws require 15,000/30,000/5,000 limits of liability. Generally, a vehicle with a revived title is an inexpensive vehicle that does not require full coverage. Most insurance companies will not want to cover the vehicle for physical damage due to its previous damage.

If you have current auto insurance:

  • Call your current auto insurance agent and request that the rebuilt title vehicle be added to your current policy.
  • Provide the year, make, model and VIN of the vehicle.
  • Get the same liability limits listed on your other vehicle.
  • Ask about comprehensive and collision coverage if you want. You can get coverage if your insurance company does its own vehicle inspection.

If you need a new car insurance policy:

    • Start by checking the rates at several different auto insurance providers. Let the agent know that you are looking to insure a revived salvage title vehicle.
    • Provide the year, make, model and VIN of the vehicle.
    • Provide information on all drivers, including names, dates of birth, and driving history.
 
  • Provide residence address.

Pro Tip: Many insurance agents cannot execute your driving record until they ship your policy. The best thing is to receive any violations or accidents that any driver has received in the last three years for minor infractions and five years for serious infractions.

Pro Tip 2: Don’t hide the fact that your title is a revived salvage title. Hiding insurance company information is never a good idea. The only person to lose is you. If you buy physical damage coverage and get into a total loss accident, then the claims adjuster sees your title reactivate and they didn’t know it, you may not be covered even though you have been paying for the coverage.

Liability-only coverage shouldn’t be a problem to obtain, it’s the physical damage coverage that will make the auto insurance company wary.

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