Is it normal for Car Insurance Companies to take your car after filing a claim?
May 1st, 2008 | by carinsurance |
Destiny B asked:
Basically I was in a car wreck, I filed a claim against the other driver’s insurance company, they agreed to pay me the face value of the car instead of repairing my vehicle. Today they called and are talking about wanting to pick up the car and the title for my car in exchange for the payment.. Is this normal? They never mentioned that I would have to give them my car.
AUSTIN
Basically I was in a car wreck, I filed a claim against the other driver’s insurance company, they agreed to pay me the face value of the car instead of repairing my vehicle. Today they called and are talking about wanting to pick up the car and the title for my car in exchange for the payment.. Is this normal? They never mentioned that I would have to give them my car.
AUSTIN
8 Responses to “Is it normal for Car Insurance Companies to take your car after filing a claim?”
By Uncle Jed on May 1, 2008 | Reply
Yes when they pay you for your car its not yours anymore. You need to give them the car and title. Yes that’s normal………..md
By ANDY on May 2, 2008 | Reply
Hello
Yes this is normal, If you want to keep it just let them know and they will deduct scrap value for the car from the money they pay you.
Most Insurance companies will automatically deduct the scrap value and let you keep it so they do not have the problem of getting rid of it.
Andy C
By entidtil on May 4, 2008 | Reply
Basically…Of course it is normal. When someone pays you for your car it is now their car. One thing. They may offer to sell it back to you for a certain amount. Then you can do with it whatever you want
By Clifton S on May 4, 2008 | Reply
For car insurance the most efficient way to get a very good quote is do a rate comparison on car policies. Make sure that you pick similar policies with the same deductibles, car make, location, etc so that all options are an accurate comparison.
What I always recommend is an online comparison quote at since they have lots of insurers and can give many quotes on car insurance polices.
By MSAD on May 7, 2008 | Reply
Yes.
When they total loss the car, they buy it from you. That means they take physical possession of it. They will then sell it at a salvage auction to recover some of the money they paid.
If you want to keep the car, you can. But you get paid about 25% less than the value of the car. This is because the insurance company will subtract what they think they could have gotten at the salvage sale for the vehicle.
By CHRISTINE H on May 10, 2008 | Reply
for the situation like yours,I would like to suggest you have a look here
By Scott H on May 13, 2008 | Reply
If your car is determined to be a total loss, they are buying the car from you. If you bought something, wouldn’t you want to take it with you?
By erin B on May 15, 2008 | Reply
They’re paying you for the value of the car…essentially meaning they decided it was a total loss…if you accept the settlement, the car is now their’s and the money is your’s. I’ve two cars in recent years and they were both relatively new vehicles and after I accepted the settlement offered, they (State Farm) towed the vehicles to one of their places.
Also, a good place to check is…
Best of luck to you.