Aflac's Auto Insurance: Understanding Coverage For Rebuilt Title Cars

Does Aflac Offer Auto Insurance on a Rebuilt Title?

Aflac does not offer auto insurance on rebuilt titles or otherwise. However, as the largest provider of supplemental insurance in the country, Aflac can help cover medical bills and lost wages after an auto accident. This means that while Aflac won't cover vehicle repairs, it can help with the cost of treating injuries sustained in an accident.

What is a rebuilt title?

A car with a rebuilt title was previously declared a total loss by an insurance company, often due to extensive damage from an accident, flood, or theft. The insurance company will pay out the owner and the car will be sold, often to a junkyard for salvage.

However, sometimes these cars are repaired and brought back to a roadworthy condition. Once repaired, the car must undergo a thorough inspection to ensure it is safe to drive. If it passes, the title is updated to reflect its new roadworthiness. This new title is called a rebuilt title.

Each state has its own regulations for obtaining a rebuilt title, with some states having more stringent requirements than others. In most states, the car must pass an inspection to be issued a rebuilt title. Some states require an inspection by an authorized third party or certain state or county departments, while others may not require an inspection at all.

It's important to note that a car with a rebuilt title may come with certain risks and drawbacks. The repair quality may vary, and there could be significant structural damage that wasn't properly repaired. Additionally, insurance companies may be reluctant to provide coverage for rebuilt title cars due to the unknown extent of previous damage. Resale value may also be negatively impacted, and some dealerships may not accept rebuilt title cars.

Can you get full coverage on a rebuilt title?

It is possible to get full coverage insurance for a car with a rebuilt title, but it may be challenging to find a provider that will offer this level of coverage. Some major insurance companies, such as State Farm, Geico, and American Family, do offer full-coverage insurance for rebuilt title cars. However, most insurance companies are hesitant to provide full coverage for rebuilt-title vehicles because it can be difficult to determine the value of these cars and whether any damage was pre-existing or caused by a new incident.

If you want full-coverage insurance for a rebuilt title car, you will likely need to contact several insurers and provide detailed information about the vehicle's history to see who will offer coverage. You may also need to provide additional documentation, such as a certified mechanic's statement, photographs of the car, and repair receipts.

Even if you do find an insurer that offers full coverage for a rebuilt title car, you should be prepared for higher rates. The cost of insuring a rebuilt title car is typically up to 20% more than a car with a clean title. This is because rebuilt title cars are considered higher-risk due to their history of damage and repair.

It's important to carefully consider the potential benefits and drawbacks of insuring a rebuilt title car before making a decision. While it may provide peace of mind to have full coverage, the higher costs and potential challenges in finding an insurer may outweigh the benefits.

What insurance companies cover rebuilt titles?

It can be challenging to find insurance for a car with a rebuilt title, as some companies refuse to insure them. However, several major insurance providers do offer coverage for rebuilt title cars, including:

• State Farm
• Geico
• Progressive
• Allstate
• Mercury
• Root
• USAA
• American Family
• Nationwide

It's important to note that some of these companies have restrictions on their coverage. For example, American Family requires photos of the vehicle before issuing a policy, while Nationwide only offers liability insurance unless the car's previous damage was purely cosmetic.

Additionally, most insurance companies will only offer liability coverage for rebuilt title cars, as they are hesitant to provide full coverage. This is because it can be challenging to determine whether damages were caused by a particular incident or already existed before the incident. As a result, it is generally more expensive to insure a car with a rebuilt title.

How to get insurance on a rebuilt title car?

A car with a rebuilt title has been severely damaged to the point of being more expensive to repair than replace. It has since been repaired and passed an inspection. However, its history as a salvage vehicle remains a permanent part of its record.

You can insure a car with a rebuilt title, but it is more difficult than insuring a car with a clean title. Some insurers won't cover rebuilt cars at all, while others will only offer liability insurance. This is because it's challenging to assign an accurate value to a rebuilt car, and insurers may struggle to determine whether damage was caused by a particular incident or already existed.

• Shop around: Contact several insurers and provide information about the vehicle's history to see who will offer you rebuilt salvage car insurance.
• Be prepared for higher rates: Some insurers add a surcharge of up to 20% for rebuilt title vehicles.
• Consider reducing your coverage: In many cases, it can be more cost-effective to only get liability coverage rather than full coverage, as the potential payout for any damage to the car is lower.
• Get a certified mechanic's statement: Most insurers will require this to verify that the car is in good working order.
• Provide photos of your car: Some insurers will ask for photos (and sometimes videos) of your car to assess the extent of any repairs and use as a reference for potential future claims.
• Provide your car's original repair estimate: This details the damages and improvements made to the vehicle and proves that all damage has been repaired.
• Provide other documentation: You'll also need to provide your name, address, driver's license number, the vehicle's VIN, previous insurance records, and an appraisal report of the car's current market value.

Some insurance companies that offer policies for rebuilt title cars include State Farm, Geico, Progressive, Allstate, and Mercury. However, there may be restrictions, such as only providing liability coverage.

Is a rebuilt title car harder to insure?

It is harder to get insurance for a rebuilt title car than a car with a clean title. A car with a rebuilt title has been severely damaged to the point of being more expensive to repair than replace. While it is possible to insure a rebuilt title car, the process is more difficult and often more expensive.

Insuring a Rebuilt Title Car

Most insurance companies will offer liability insurance for a rebuilt title car, but they are often hesitant to offer a full-coverage policy. This is because it is challenging to assign an accurate value to a rebuilt car, and insurers may struggle to determine whether damages were due to a particular incident or already existed. As a result, it is harder to secure optional coverage such as collision and comprehensive insurance.

According to the Kelley Blue Book, a rebuilt title car is typically worth 20% to 40% less than a car with a clean title. This lower value will result in a much lower insurance payout if you make a comprehensive or collision claim.

In addition, there may be safety concerns with rebuilt title cars. Some issues may not have been addressed in the restoration process and could lead to danger on the road. Insurance companies are aware of these risks and assume that rebuilt cars are more likely to result in insurance claims.

Finding Insurance for a Rebuilt Title Car

Some insurers will not cover rebuilt title cars at all, so it is important to compare quotes from multiple companies. It is also a good idea to shop around for full-coverage insurance, as not all insurers will offer this. Be prepared for higher rates, as some companies charge up to 20% more for rebuilt title vehicles.

In some cases, it may be more cost-effective to only get liability coverage instead of full coverage, as the potential payout for any damage to the car is lower.

When looking for insurance for a rebuilt title car, you will typically need to provide the following information:

• A certified mechanic's statement verifying that the car is in good working order
• Photos and/or videos of your car, which act as "before" images that the insurer can compare to in case of a claim
• Your car's original repair estimate, which details the damages and improvements made to the vehicle

Examples of insurance companies that offer full-coverage insurance for rebuilt title cars include State Farm and Geico. Progressive, Allstate, and Mercury also offer policies for rebuilt title cars, but there may be restrictions.

Frequently asked questions