Find out whether your car insurance company offers full coverage for cars with a salvage title. The full coverage implies state liability coverage along with the usual collision damage coverage. Many insurance companies do not cover these vehicles, but there are quite a few that do.
To minimize your problems in getting full coverage for your salvage car, remember the following:
A vehicle history report comes at a nominal fee. Check out the National Motor Vehicle Title Information System (NMVTIS) website. Here you can find information on any vehicle’s most recent odometer reading, its current title, brand history and comprehensive theft data (if applicable).
Once your car passes the inspection required before registration, many insurance companies agree to provide coverage for it. The insurance coverage of your salvage title car depends on its condition, your state and your insurance company. In the case of a collision, insurers will pay 80% of the car’s market value. However, make sure that you pick an insurer who offers comprehensive insurance on salvage cars; otherwise you might be obligated to pay a “deductible charge” when you take it for repairs.