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Can I keep my car after it's marked a total loss?
My uncle is a mechanic and says he can fix my car for $1,500. It's worth $7,000 right now. I do have gap insurance so my car would be paid off. Can I ask to keep my vehicle?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“You’ll have to negotiate with your
car insurance
company to see if they will allow you to keep your vehicle. If they do, you typically won’t receive the same payout as you would if they deemed it a total loss. You should also check in with your
gap insurance
company to ensure that they will still cover the difference if you keep your vehicle. There could be stipulations in your policy that prevent you from making a claim if you decide to keep your vehicle. “View full answer
- Gregory R.
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