My vehicle was just deemed totaled. I own the vehicle and the only damage on the vehicle is to the back passenger rear. What are my options?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 18, 2013

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Insurance Question from Ama, LA

Asked on 02/18/2013

My vehicle was just deemed totaled. I own the vehicle and the only damage on the vehicle is to the back passenger rear. What are my options? NULL

Answer given on October 14, 2013

If your car was determined to be a total loss due to an accident, you have various options.If you have collision coverage, then your insurance company will pay you the actual cash value of the car, less your deductible. You will then be expected to turn the car over to your insurance company who will sell the car for salvage. You may be able to purchase the car back at the salvage value. You can again insure it, but the title will show the car is a salvaged vehicle and the value of the car will be reduced if you insure it again for collision coverage. It is possible your insurance company will not insure it for collision coverage. Check this out before you make a decision to buy it back or not.If you don’t have collision coverage, you can pay to repair the car yourself, or fix it yourself. If you do this, you can continue to insure it, but will probably not be able to get collision coverage going forward.

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