classified as a total loss. In some cases, insurance companies will label the car with a salvage title or certificate. If it gets a certificate, this means the car is un-driveable and unsellable and can’t even be registered. However, salvaged cars can be rebuilt. If this happens, the car’s owner can request a new title, although this may take a fair amount of hoop-jumping to happen. If the owner is able to get a new title, it will make it clear that the car was salvaged. It’s not possible to put a market value on a salvaged vehicle because it’s hard to tell exactly how much damage the car has. Thismeansmost insurance companies won’t give you collision or comprehensive coverage. Some companies won’t cover salvaged vehicles at all. Others may offer a liability-only insurance policy and/or might exclude any damage caused the original accident. It’s also possible that your insurance company won’t cover your car because they’ve already said it’s a total loss, but another Most of us have let a friend or relative borrow our car for various reasons. But what happens if they are involved in an accident while the car is in their hands? Does your insurance cover it, or does theirs? As with most insurance-related items, it varies depending on what state you’re in and what your policy says. The usual case is that any licensed drivers in your home are covered when they drive your car — and are often all listed in your policy. One reason they wouldn’t be covered is if their name is listed under “excluded drivers.” Inmost cases of loaning your car to someone not in your home, permissive use comes into play, and they’ll be covered by your company might be willing to offer you coverage. ANOTHER DRIVER DRIVING YOUR CAR
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