How do I buy my car back from my insurance?

My insurance classified my car as totaled after an accident, but I can definitely fix it, and I want to give it a shot. How can I buy it back from them to fix it on my own?

Liz Jenson · Answered on Oct 18, 2022
Reviewed by Shannon Martin, Licensed Insurance Agent.
Kudos to you for taking on a project like this! Insurance companies will often let you buy your car back if you so choose, but you’ll need to tell your insurer that you want to do that right away—once your car reaches the salvage yard, it’s unlikely that you’ll get it back.
It’s difficult to say how much the salvage value will be, as it will depend on how badly your car is damaged and how much it was initially worth. The price of your car will be determined by your insurance company.
Once you’ve rebuilt it, you’ll need to follow the steps to getting it a rebuilt title, which will allow you to insure it. However, it’s good to keep in mind that even with a rebuilt title, it may be difficult to find full coverage for your car.
If you want to easily get the most coverage possible for your rebuilt car, check out the Jerry app. We’ll get you customized quotes from top providers, so that all you need to do is pick the plan that works best for you. And if you find one that you like, we’ll even help you switch!
Best of luck with the repairs—you’ve got this!
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