Salvage title cars can be a great way to save money when purchasing a vehicle. However, many car owners may wonder if their insurance provider, such as AAA, will insure a car with a salvage title. The answer to this question depends on a few factors, including the type of coverage the car owner is looking for and the regulations in their state.
When a car is deemed a total loss by an insurance company, it may receive a salvage title. This means that the car has been damaged to a point where the cost of repairs exceeds its market value. In some cases, the car may be repaired and receive a rebuilt title. While it is possible to insure a car with a salvage or rebuilt title, the process may be more complicated than insuring a car with a clean title.
Insurance policies for salvage title cars may vary depending on the car insurance company and the state where the car is registered. Some car insurance companies may offer liability coverage for salvage title cars, while others may offer collision and comprehensive coverage. It is important for car owners to do their research and shop around for car insurance policies that meet their needs and budget. Additionally, car owners should be prepared to provide documentation and undergo inspections to ensure that their salvage title car meets the requirements for coverage.
What is a Salvage Title?

Definition
A salvage title is a legal document issued by the Department of Motor Vehicles (DMV) to indicate that a vehicle has been damaged in an accident, flood, fire, or any other event that has caused the cost of repair to exceed a certain percentage of the vehicle’s value. The percentage varies by state, but it is usually around 75% of the vehicle’s value.
Once a vehicle is declared a total loss by an insurance company, the title is transferred to the DMV, and the vehicle is given a salvage title. The title indicates that the vehicle is not roadworthy and cannot be driven until it has been repaired and inspected by the DMV.
Types of Salvage Titles
There are different types of salvage titles, depending on the severity of the damage and the state where the vehicle is registered. Some common types of salvage titles include:
Junk Title: This is the most severe type of salvage title. It is issued when a vehicle is so damaged that it is not worth repairing. The vehicle can only be used for parts or scrap metal.
Salvage Title: This is the most common type of salvage title. It is issued when the cost of repair exceeds a certain percentage of the vehicle’s value, but the vehicle can still be repaired and made roadworthy.
Rebuilt Title: This is issued when a salvage vehicle has been repaired and inspected by the DMV, and is deemed roadworthy. The title indicates that the vehicle was previously salvaged, but has been rebuilt to meet safety standards.
It is important to note that salvage titles can have a negative impact on the value of a vehicle, as they indicate that the vehicle has been damaged in the past and may have underlying issues.
In conclusion, salvage titles are issued when a vehicle has been damaged to the point where it is not worth repairing. There are different types of salvage titles, depending on the severity of the damage and the state where the vehicle is registered. It is important to understand the implications of owning a salvage title vehicle before making a purchase.
Can You Insure a Salvage Title Car with AAA?

When it comes to insuring a salvage title car, many car owners wonder if AAA is a viable option. In this section, we will explore AAA’s insurance policy on salvage title cars and the factors that affect their decision to insure these vehicles.
AAA Insurance Policy on Salvage Title Cars
AAA is one of the most popular car insurance companies in the United States, providing a wide range of insurance policies to its customers. However, when it comes to insuring salvage title cars, AAA’s policy can be a bit tricky.
According to AAA, they do offer insurance policies for salvage title cars. However, the type of coverage available may vary depending on the specific circumstances of the vehicle. In some cases, AAA may only offer liability coverage, while in others, they may provide comprehensive or collision coverage as well.
Factors that Affect AAA’s Decision to Insure Salvage Title Cars
When deciding whether to insure a salvage title car, AAA takes several factors into consideration. These include the safety standards of the vehicle, the extent of the damage, and the car’s repair history.
If the vehicle meets AAA’s safety standards and has been properly repaired, they may be more likely to provide full coverage insurance. However, if the damage is extensive or the car has a history of frequent repairs, AAA may only offer liability insurance.
It is important to note that premiums for salvage title cars may be higher than for non-salvage title cars. This is due to the higher risk associated with insuring these vehicles.
In conclusion, while AAA does offer insurance policies for salvage title cars, the type of coverage available and the premiums may vary depending on the specific circumstances of the vehicle. If you own a salvage title car and are considering AAA for your insurance policy, it is recommended to contact them directly to discuss your options.
What You Need to Know Before Insuring a Salvage Title Car with AAA

If you are considering insuring a salvage title car with AAA, there are a few things you need to know before you proceed. Salvage title cars are vehicles that have been declared a total loss by an insurance company due to damage or theft. These vehicles can be repaired and put back on the road, but they come with certain risks that you need to be aware of.
Inspection
Before insuring a salvage title car with AAA, it is important to have it inspected by a trusted mechanic. This will help you identify any hidden damage or issues that may not be immediately apparent. AAA may require an inspection before they agree to insure the vehicle.
Documentation
You will also need to provide documentation to AAA to prove that the car has been repaired and is roadworthy. This may include receipts for parts and labor, as well as a certificate of salvage or rebuilt title.
Market Value
The market value of a salvage title car is typically lower than that of a similar car with a clean title. AAA may take this into account when determining your insurance premiums.
Repaired or Inspected by a Trusted Mechanic

It is important to have a salvage title car repaired or inspected by a trusted mechanic. This will help ensure that the car is roadworthy and safe to drive. AAA may require proof that the repairs were done by a licensed mechanic.
In addition to the above considerations, it is also important to obtain a vehicle history report and check for any liens on the vehicle. This will help you avoid any surprises down the road.
Overall, insuring a salvage title car with AAA can be a good option if you are aware of the risks and take the necessary precautions. Be sure to do your due diligence and work with a trusted mechanic to ensure that the car is roadworthy and safe to drive.
Entity | Relevance |
---|---|
Inspection | Important to identify any hidden damage or issues |
Documentation | Required to prove the car has been repaired and is roadworthy |
Market Value | Typically lower than a similar car with a clean title |
Repaired/Inspected by a Trusted Mechanic | Important for safety and proof of repairs |
Vehicle History Report | Necessary to check for any past issues |
Lienholder | Important to check for any outstanding liens on the vehicle |
Alternatives to AAA for Insuring a Salvage Title Car
When it comes to insuring a salvage title car, AAA may not be the best option for everyone. Fortunately, there are several other car insurance companies that offer coverage for these types of vehicles. Here are some alternatives to AAA for insuring a salvage title car:
Other Car Insurance Companies
Progressive: This insurance company is known for offering coverage to high-risk drivers, including those with salvage title cars. They provide comprehensive and collision coverage, as well as actual cash value coverage.
The Hartford: The Hartford is another insurance company that offers coverage for salvage title cars. They provide comprehensive and collision coverage, as well as liability coverage.
Infinity: Infinity is a good option for those who want affordable coverage for their salvage title car. They offer comprehensive and collision coverage, as well as liability coverage.
National General: National General offers coverage for salvage title cars, with options for comprehensive and collision coverage, as well as liability coverage.
Omni: Omni is a good option for those who want comprehensive and collision coverage for their salvage title car. They also offer liability coverage.
Safeco: Safeco offers coverage for salvage title cars, with options for comprehensive and collision coverage, as well as liability coverage.
Car Insurance Company: This company specializes in providing coverage for high-risk drivers, including those with salvage title cars. They offer comprehensive and collision coverage, as well as liability coverage.
When choosing an insurance company for a salvage title car, it’s important to compare rates and coverage options. Some companies may offer better rates for certain types of vehicles, while others may offer more comprehensive coverage. It’s also important to consider the actual cash value of the car, as this can affect the amount of coverage needed.
In conclusion, there are several alternatives to AAA for insuring a salvage title car. By comparing rates and coverage options, drivers can find the right insurance company for their needs.
Avoiding Scams When Buying a Salvage Title Car
When buying a salvage title car, there are several things to keep in mind to avoid scams. Here are some tips to follow:
Do Your Research: Before buying a salvage title car, research the car’s history. This includes checking the car’s VIN number, which can be found on the car’s title and registration. You can also use online services to check the car’s history report. This will give you an idea of the car’s condition and whether it was involved in any accidents.
Inspect the Car: When buying a salvage title car, it’s important to inspect the car thoroughly. Look for any signs of damage, such as dents, scratches, or rust. Check the car’s fluids, brakes, and tires. If possible, take the car for a test drive to see how it handles.
Get a Receipt: When buying a salvage title car, it’s important to get a receipt from the seller. This should include the date of sale, the purchase price, and the condition of the car. Keep this receipt for your records.
Beware of Scams: Unfortunately, there are many scams associated with buying salvage title cars. One common scam is when a seller claims that the car has been repaired, but in reality, it has not. Another scam is when a seller sells a salvage title car without disclosing that it has been in a major accident.
To avoid scams, it’s important to do your research and inspect the car thoroughly. If you have any doubts about the car’s condition or history, it’s best to walk away.
- Check with the Department of Motor Vehicles: Before buying a salvage title car, check with your local Department of Motor Vehicles (DMV) to see what the requirements are for registering and insuring a salvage title car. Some states have stricter requirements than others.
In conclusion, buying a salvage title car can be a great way to save money, but it’s important to be cautious and do your research. By following these tips, you can avoid scams and make a smart purchase.