Insuring a Vehicle with a Salvaged Title

Most personal insurance carriers will not allow a vehicle previously deemed totaled or with a salvaged title to be insured for full coverage. At times it can be hard to insure a vehicle with a salvaged title for liability only coverage, depending on the carrier.  The underwriter may view the vehicle as potentially unsafe as there would be no way to verify the integrity of the vehicle at that point and would decline to write coverage.

If you are faced with a client that has kept their beloved car/truck after it being deemed totaled and is looking for full coverage; Have No Fear!  Safeco will write full coverage or liability only on the vehicle unendorsed without any problems or needing additional underwriting review.

It will be important to advise the insured that though Safeco can offer full coverage on a salvaged vehicle for new business and renewals, the payout factors due to the previous condition and value will most likely be below a comparable vehicle’s worth that has never had damage.

Here is a short list of carriers available through VIAA outlining their underwriting guidelines specifically stating how they feel on salvage titled vehicles:

  • Allied – completely ineligible
  • Allstate – Liability only
  • Foremost – completely ineligible unless vehicle has been rebuilt and has a certification from the State Department of Motor Vehicles deeming it road worthy
  • National General – Liability only
  • MetLife – prior underwriting approval required
  • Titan/Victoria – Liability only
  • Travelers – Completely ineligible

Any carriers not on this list, please consult your underwriter for their specific guidelines or review.

More To Explore

img (1)

Retain Customers with a Client Onboarding Process

Congratulations on Your New SALE! It becomes so easy as an Agency Owner, just to worry about SELLING! After all isn’t that what it’s all about? It was a rhetorical question and just, so we are clear, the answer is…a resounding NO! You certainly need to be able to sell but do so by creating a value-based proposition and tying in a unique Client experience, this has never been as true and relevant as it is today, especially now in this digital based consumer market we live in. The question becomes, “How can you set your agency, your website and


The Importance of a Solid Claims Process

Insurance isn’t just all about the SALE! It is however all about relationships and a client’s claim experience will create a long-lasting impact and impression of that relationship, either as a positive or as a… I will probably be looking for another agency soon. This is truly where the rubber hits the road and it is vital your agency has a game plan and a consistent and methodical approach! Keep in mind that any issues that arise during a claim’s experience can leave your clients with a bad opinion of you and your agency! Even if you have no control