Can I Keep My Car and Have It Repaired Even if My Insurance Company Declares It a Total Loss?

Tow Truck with Damaged Car

Even if your auto insurance company has declared your car to be a total loss after an accident, you may still want to look into auto body repair. Keep reading to find out why this approach can be a better financial decision:

  • Understanding a Total Loss

If your car suffered from a rollover, airbag deployment, excessive front-end damage, or engine damage, some auto insurance companies will be quick to consider the car a total loss. Other times, insurance companies will declare a car totaled if the cost of repairing each damaged part would approach the cost of replacing the car, even if the vehicle is capable of auto body repair.

Depending on the severity of the loss, it may be more cost-effective to repair your vehicle than to invest in a new one. Plus, in many cases, if you have your car replaced, your insurance rates will increase more in a new vehicle than if you take your car to an auto body repair shop.

  • How to Get Your Car Repaired

One way to have your car repaired is to accept the total loss compensation that your auto insurance company offers you, use that money to buy back your wrecked vehicle, and pay for the costs of auto repair at a reputable shop. Just know, however, that the car will probably receive a note on the title stating that this has happened.

If you are looking around for a high-quality, affordable auto repair shop to repair your total loss vehicle, visit Michael J’s Body Shop in San Jose, CA. We’ve been serving the Bay area for over 20 years. Call us at (408) 279-2070 or visit our website for more information on our services.

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