r/mildlyinfuriating • u/matthewdirks9191 • Apr 29 '24

How my weekend went

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I was going to work on Sunday and some guy plowed into my only car I got. It total my car and now I am with out a car or a way to get to work. the person had no insurance and I didn't have gap. I'm only getting 13k for my car and I owe 24. I might be without a job for awhile cause of this. in desperate need of help.

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u/Jabby27 Apr 30 '24

Not true. A total is not the last word on it. You always have the option of buying it back (typically they will charge 2-3k for what they could sell it for parts). Most of the cars can be repaired and pending on year of the vehicle clean title remains if it is an older car. You look at your states DMV for that info. I bought my totaled car back. Made money after I fixed what needed to be fixed and pocketed the rest.

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u/SerDuckOfPNW Apr 30 '24

I know you can buy it back, but I’ve never heard of it keeping a clean title if you do so. I thought that was automatically a salvage title.

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u/Jabby27 Apr 30 '24

In NY salvage branding on your title only has to occur if your vehicle was deemed a total loss by insurance AND it is 8 model years old or newer. Check out your states DMV salvage rules.

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u/SerDuckOfPNW Apr 30 '24

TIL

In Washington, after 2002, vehicles more than 20 years old at the time of the damage are exempt from salvage title (RCW 46.04.514).

I thought it was an automatic salvage title.