When a car is deemed "totaled" by an insurance company, it means the cost to repair it exceeds a certain percentage of its value, usually around 70-80%. Despite this designation, it’s technically possible to drive a totaled car—though it's not always advisable.
It’s important to consider safety. A totaled car may have significant damage affecting its structural integrity, making it dangerous to drive. Even if it seems to run fine, underlying issues could lead to serious accidents.
There are legal and insurance implications. In many states, a totaled car will have a "salvage title," indicating its condition. To legally drive it again, you might need to get it repaired and inspected to obtain a "rebuilt" title. Insurance for a rebuilt car can be more expensive and difficult to obtain.
The cost of repairs versus buying a new vehicle is worth considering. Sometimes, it’s more economical and safer to invest in a new car rather than fixing a totaled one.
While driving a totaled car is possible, it involves weighing safety risks, legal requirements, and financial considerations. Always prioritize safety and consult with professionals before making a decision.
If you have any questions regarding auto insurance please give us a call at (480) 535-5709.
Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance…
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