What should I do if I have no collision insurance and my car gets totaled?

I was in a car accident that was my fault, but I don't have collision insurance. I only have liability coverage. What are my options now?

Answer provided by
Eric Schad
Answered on Jul 21, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“If you don’t have collision coverage and you’re at fault, you won’t see any money from your insurance company.
Nevertheless, you still have two options:
  • Sell the car with a salvage title to recoup what little money you can.
  • Pay for the repairs, as not every car that’s deemed totaled by a car insurance company is actually totaled.
When you buy your next vehicle, you might want to consider collision coverage for this very reason. Shop around on Jerry to compare the best rates from top insurance companies.”

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