Originally Posted by Karen1985
If the insurance totals the car, the title will not be clean, it will be a salvaged title. Most insurance companies won't insure a car with a dirty title, although some will still insure it for liability. You can't have a totaled car and have the title not be affected, so that part doesn't make any sense to me.
MS law says that if "5 panels" or major functions of the car are affected, then the car is salvage. Our car only needs a new hood and a tiny corner of one fender will be banged out and painted. The bumper cover doesn't even need to be replaced. I'm sure if the air bag had gone off, it would be a different story. So no, it isn't salvage and the title won't be affected.
We're not planning on selling the car. We'd like to run it until it dies. We tend to buy cars new then run them their entire life. If anything we'll sell it or give it to some poor person who is desperate for a car, IF it is still running.
This make and model and year of car is amazing. It is basically maintenance free. When we have taken it to a mechanic, they salivate because mechanics love to snap up these cars, fix them up and give them to their children or keep them for themselves. And the fact that this one just happens to be in such good shape and low mileage because it basically sat in a garage for 10 years before hubby started to drive it again is just a plus. Okay he drove it - maybe - once a month to keep it "fresh" but that's all. We've been offered $1000 over blue book value for it but we're not selling.
I'm going to talk to the claims adjuster (they're assigning me another one, more local) to see if they'll kick in toward the $300. Yes, they'll keep insuring it. As a matter of fact, we're considering not even removing the comprehensive coverage.