Does Root insurance cover a rebuilt title?
I have a car with a rebuilt title and I’d like to get insurance for it. A friend told me that Root insurance will cover a rebuilt car. Is this true?
Mary Cahill · Answered on Jan 19, 2023
Reviewed by Shannon Martin, Licensed Insurance Agent.
Rebuilt titles can be a touchy topic for some insurers! Root insurance does cover a rebuilt title, as long as the vehicle meets certain criteria.
Vehicles that sustain severe damage are often labeled as a total loss by the insurance company and are given a salvage title. This is also commonly referred to as a branded title. These vehicles often become scrap metal, but you can purchase one of these fixer-uppers if you’re willing to go through the restoration process.
Salvaged-titled vehicles are illegal to operate on public roads, but you can trade the salvage title for a rebuilt title if you make all the necessary repairs to get it in legal working condition. This typically involves using a certified mechanic and passing a state inspection.
Root does sell car insurance for rebuilt-titled vehicles, but you must be able to provide a valid Vehicle Identification Number (VIN) and any other documentation the insurer requests—including proof that the vehicle passed inspection. You can also expect to pay a bit more since rebuilt vehicles are assumed to carry more risk.
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