Reinsuring a car which is totalled but repaired in IL

by nsingh » Thu Dec 03, 2009 08:41 pm
Posts: 1
Joined: 03 Dec 2009

I have 1994 car and it was in accident so the cost of repair is more than the cost os car so insurance is calling it total. But I spoke t teh car repair shop and he said it is all ouside and nothing wrong with teh functionality of the car. So if I buy back teh car how can I insure it as my insurace co says they'll provide only limited libilety.What should I do ?Do I need to get it approved by anyone once it is repaired? I live in IL
Thanks

Total Comments: 1

Posted: Thu Dec 03, 2009 09:09 pm Post Subject:

You will need to contact the IL DMV to see about how to have the vehicle registered in the state. Most likely your carrier will be required to inform the state that the vehicle was deemed a total loss.

Carrier usually won't write collision or comprehensive on a prior total loss vehicle as they are going to charge a premium based on a non-salvage vehicle but if the vehicle is a total loss they are going to pay you far less then the full value of the vehicle. So there would be a conflict between what you are paying for and what you would get.

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