If you buy a car with a salvaged title will your insurance sky rocket?

Answer :
DON'T tell any Insurance Co. the car was totaled. They didn't ask me and the insurance was the same as another of my vehicals. (Liability only though, I mas not trying to get full coverage then) YOU CAN GET A NEW REGULAR TITLE! My experience was to first get my vehical inspected by the Motor Veh. Dept. in my state, and applied for a new title. Not A Salvage title. They wanted to see any before & after photos if I had them, (I didn't have) and receipts of parts and or repairs made etc. of which I had three totling about $300. They passed the car an went to the DMV did the paperwork etc. and got the new title in the mail later. THEN I told the Ins. Agent I decided to get full coverage even though I didn't owe anything on the car. A quick physical inspection of the car by the agent, a "clean title" & walaha!!! normal rates. Amer.Fam.Ins.

Answer :
Although "W" may think he got away with insuring his vehicle without paying an increased rate, he comitted fraud in many states. By not disclosing information which you know to be pertinent to the policy rating (which he obviously does, since it sounds like he is proud of himself/herself for scamming the insurance company) he comitted fraud. If W gets into an accident and the adjuster finds out this information, they may very likely refuse to pay the claim. Although you save money now, think about this, you get what you pay for! If the car is a total, the value is not as much as it once was, as there is pre-existing damage that is obviously being covered up if you don't come forth-right with this info.

Answer :
I half agree with the post above me. At my company we require a letter from a mechanic attesting to the road worthiness of the vehicle, pictures, etc for vehicles with salvage titles. After we are convinced the vehicle has been repaired to a condition prior to whatever happened to it then we will insure it at the same rates for that same year/make/model.

Your insurance does not skyrocket. There are so many false statements made regarding salvage/reconstructed cars. Check with your insurance agent. Your rates should stay the same but realize you will be paid less if the car is totaled (probably half the value of a similar car with a clean title plus credit for any documented improvements like keyless entry, sound system, newer parts, etc).

Will insurance pay to replace a windshield that has become so pitted and cloudy that it is hard to see if you have complete glass coverage?

Insurance Coverage for Glass

If you have complete glass coverage they should replace it but what I would do is throw a nice sized rock at it and make sure there's a spider crack and then they'll HAVE to replace it. Do that as a last resort though, tell them a truck kicked up a rock on the highway and cracked your windshield.

(This would be considered insurance fraud. You may or may not get away with it but it is still fraud. Knowledge of this to your insurance company would get your coverage dropped and make it difficult, or really expensive, to obtain new insurance. I would not suggest intentionally cracking the glass on your windshield for a few hundred dollars in out-of-pocket expenses. This is considered "wear and tear", which is never covered by insurance companies, rather than an "accident" or "ocurrence", which are covered by insurance companies.)

Here are more opinions and answers from other FAQ Farmers:


That depends, call and ask them if your policy would cover that. I don't think the coverage would replace a windshield simply because it is old. There should be some claims related event. And remember, there will be a deductible. Ask the glass company if they would waive or reduce that before scheduling a repair. A shop around if they will not work with you on reducing the deductible.

Probably not, even though it is a saftey issue it is not broken, but I would check with my agent. Some insurance companies are more lenient than others.

I am a insurance agent for a large company, our policies do not cover this because it is considered wear and tear over a long period of time. You would have to have a crack in the window and even then the comprehensive deductible would apply. You should not file a claim for something as minor as a window, paying out of your pocket will save your premium and record in the long run.