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What if I still want my car fixed after an auto insurance company declares it a total loss?
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Generally, damage done to your auto must exceed its actual cash value before your car insurance company declares it to be a total loss. State Division of Motor Vehicle (DMV) offices allow auto insurance companies to permit you to keep your salvage vehicle after it is involved in a car accident.
Next you must visit your local DMV office and get a salvage title. List damages made to the vehicle during the auto accident on the title. You can get some of this information off the insurance claims report.
Auto repair costs to fix your vehicle become your responsibility at this point. Shop around for licensed mechanics that have experience fixing salvage cars. This will ensure that you get the best deals possible.
Keeping Salvage Cars
Contact your insurance company claims adjuster and notify them that you want to keep your car. The insurance company will deduct the amount they expected to gain from the sale of your auto from the actual cash value of your car. They will cut you a check for the difference. After you take ownership of the vehicle your auto claim will be closed.Next you must visit your local DMV office and get a salvage title. List damages made to the vehicle during the auto accident on the title. You can get some of this information off the insurance claims report.
Auto repair costs to fix your vehicle become your responsibility at this point. Shop around for licensed mechanics that have experience fixing salvage cars. This will ensure that you get the best deals possible.
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