Legal Question in Insurance Law in California

car insurance

If a car has frame damage and the cost to fix is atleast 75% of the value of the car.should it be considered total loss,and you tell insurance you don't want the car back because you don't feel safe in it and because now it's a salvage title,should they pay off your vehicle?I have full coverage,i was not at fault.Thank you!


Asked on 10/26/06, 3:20 am

1 Answer from Attorneys
Steven Murray Steven W. Murray, APC

Re: car insurance

The insurer will pay the value of the car, regardless of how much is owed on it (unless it was just purchased.) If the repair cost is that high, the insurer might just consider it a total loss and you might have a balance due. Just because they tell you what they think it is worth is not always the truth - check auto traders and the Sunday car ads.

The other party is responsible for any loss you have, separate and apart from your own insurance. So you have another source of recovery.

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Answered on 10/27/06, 8:27 pm


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