To get auto insurance for these vehicles, you’ll need to have a copy of their title, along with their registration and VIN, says Gusner.
Some insurance companies may also require that the vehicle be inspected or request a mechanical report. They can also request to have the car appraised, he says.
Can you get full coverage on a rebuilt title?
»Companies that write auto insurance policies for rebuilt title vehicles tend to offer only liability insurance., While it is difficult to find an insurance company that provides the owner the option of adding comprehensive and collision coverage, it is not impossible,” says Gusner.
Typically, insurers will only offer you liability coverage, which protects you if you are at fault in an accident and injures someone else or damages your property, Gusner says.
They may not be willing to provide comprehensive coverage, which protects you in the event of damage to your car that is not due to an accident. It would cover theft, vandalism, or damage caused by a natural disaster. You may also not be able to get collision coverage, which covers your vehicle if it is damaged in an accident.
However, as Gusner pointed out, some carriers will issue whole coverage policies for rebuilt vehicles. While 60% of those who purchased a salvage title car could only purchase state minimum liability coverage, 37% reported that they successfully purchased whole coverage policies, hence liability along with comprehensive and collision coverage; 3% could not find the range.