Car got crunched; insurance company wants to say it's a total loss?

[pumpkinpony]

Apologize in advance for the minor hijack here...but this got me thinking, and I'm curious....
If a car is deemed "totaled" by your insurance company, and you take the check and get the car repaired and back on the road...can you get insurance for it, or will the insurance company(s) deny you?

With USAA - they totaled our vehicle, wrote a check.. We kept said vehicle, had to put a salvage title on it, and dropped the insurance to liability only. They are only going to pay out on a vehicle once.

Oddly enough though, if you switch companies, you can probably put full coverage on it again. I had a truck I switched to USAA with a previous salvage title, and they let me do full coverage on it.

[Biciclista]

With USAA - they totaled our vehicle, wrote a check.. We kept said vehicle, had to put a salvage title on it, and dropped the insurance to liability only. They are only going to pay out on a vehicle once.

Oddly enough though, if you switch companies, you can probably put full coverage on it again. I had a truck I switched to USAA with a previous salvage title, and they let me do full coverage on it.

no, again, it depends. I got full coverage on my car after it was stolen, recovered totaled and repaired from the same company..

[abejita]

I just have to laugh...it is nice to know that other people run their vehicles into the ground too. I am a bit heartbroken that it is time to replace my 1995 acura integra that has 198000 miles on it. The a/c is broken and the radiator needs replacing and I just as soon put the money into a new honda or acura than my old one.

[owlice]

Only 198K miles? Oh, c'mon, abejita! Your car is a pup! A baby! Young! :-D

~~~~~~

I've never been given a door before, but wow, what a GREAT present! My brother showed up yesterday afternoon with the driver's door off his 1996 Honda Civic, which used to be my Honda Civic. I sold it to him when I bought the '98 Civic I can now drive again, because we put the '96 door on my car and I am good to go!!!

Granted, the only window that can be rolled down is the driver's window (electric windows on the other three doors now not operable because the "new" door doesn't have the controls for them), and I need two different keys for the car (but have only one, for the passenger side, because neither one of us realized that hey! the lock is NOT the same! until after the door was on the car and I got ready to lock it [the Doh! moment of the day]), and I now have a smashed car door in my shed, but I can drive the car again, yay!!!

[tulip]

But we want to know: does it match??

Glad it worked out for you.

[OakLeaf]

Hee hee.

Glad it worked out. Hope you get a big check from her insurance.

And I'll bet you can wire in a dashboard switch for the other windows. You're gonna need them, as hot as it's been. Better yet, you could just screw the old switch onto your new door to match the "fabulous" theme.

[Tuckervill]

Switch the lock on the wrecked door with the lock on the "new" door.

Glad it worked out.

Karen

[owlice]

But we want to know: does it match??

Yup! Both cars are silver.

I hadn't noticed until the new door was on, but one of the differences between the cars (the older a DX, the newer an LX) was that mine had a strip of silver metal running around along the bottom edge of the window, instead of just the black edging. So the driver's side window doesn't have that shiny silver piece now; I can live with that!