May I keep my auto if I have a collision, limited collision or comprehensive claim and my insurance company declares it a total loss?
After your vehicle has been declared a total loss, you can retain the salvage; however, the value of the salvaged vehicle must be deducted from the actual cash value of the vehicle when the insurer pays you. The Department of Motor Vehicles, in these cases, do require the insurer to obtain your title from you and send it to them. The Department of Motor Vehicles will reissue your title to you with salvage on the title.

Show All Answers

1. What auto insurance coverage is required in SC?
2. Is a person required to have underinsured motorist coverage in South Carolina?
3. What is the minimum requirement of insurance on other types of vehicles besides your own personal automobile? For example, a dump truck?
4. I received a form to sign from my insurance carrier about underinsured motorist coverage. What is the purpose of this form?
5. Can a company refuse to insure me?
6. When can my automobile liability insurance be canceled?
7. When can my automobile comprehensive and collision coverage be canceled?
8. Aren't all insurance companies required to cover windshield damage for free in South Carolina by law?
9. Does the insurance company have to notify you when your renewal insurance premium is due?
10. Does the automobile policy contain a grace period for paying the renewal premium?
11. An agent quoted me a low rate so I bought the policy. Then the company raised the rate two months later. Can they do that?
12. Are there any specific time limits for an insurance company to pay claims?
13. May I keep my auto if I have a collision, limited collision or comprehensive claim and my insurance company declares it a total loss?
14. Can the insurance company pay me less than Blue Book for my totaled vehicle?
15. The adjuster recommended a specific body shop. Can I use a different shop?
16. Who pays for the rental car while my car is in the body shop?
17. The insurance company put the leinholder's name on the check for repairing my car. Why?
18. An uninsured driver demolished my car! Who pays?
19. I've been sued by the other driver. Will my policy cover that?