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BeKindDontBlind t1_jd1n02d wrote

We have a salvage title, and we can only have liability insurance. BF totalled the truck, and insurance said we could have $X and give up the truck, or a bit less and keep the truck with salvage title. It was almost all cosmetic, so we took the check and a salvage title. The resale value is now nil, and you can't have full coverage insurance on it, as it has already been declared a total loss once before, as far as I understand.

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unchow t1_jd4k749 wrote

Yeah we were in a similar situation with a previous car. It got hit by some serious hail that left a lot of dents in hard-to-repair places, so insurance paid it out as a totaled car but we were able to keep it as a salvage title. We could drive it legally and had insurance (I believe you're right that it was just liability insurance).

It was literally all body damage so it ran fine for years, until an accident totaled it for real. We even got a second (smaller) check out of it, since it was "totaled" twice.

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BeKindDontBlind t1_jd4lvmq wrote

I kinda want to shop insurance to see if we can get full coverage from another provider. The truck would still cost us $22k to replace it at this point.

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