Rebuilt Titles FAQ

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These are the most common questions about rebuilt title vehicles. This section is updated as we receive new questions.

Is a rebuilt title a salvage title?

No, it isn’t. A rebuilt is a previously salvaged title which has been repaired and now is roadworthy, which means that you can register it and legally drive it on public roads. However, in some states, like New Jersey, there is not “rebuilt title”. Instead, a “salvage” affix is added to a normal title in order to point to the salvage history.

Is a rebuilt title better than a salvage title?

Not always. The answer depends on the reason why the car was totaled out, the age of the vehicle, the state’s law regulating rebuilt and salvage titles, the reputation of the dealer that fixes and sells the vehicle and, finally, what is more expensive for you at the moment - you efforts and time or your money. Click here to read more

Is a rebuilt title insurable?

Yes. it is. You should get liability converge without problems. As to full coverage (comprehensive and collision), not many companies will cover rebuilt vehicles, most will not give you collision. However, large companies like State Farm, GEICO, AllState or Progressive are reported to work with rebuilt autos. Contact the company, provide your car’s specs and ask a quote.

Does rebuilt title affect insurance?

Yes, it does. It primarily affects the number of companies that will insure it and the value of your vehicle. While liability should not be a big problem, not every company will offer full coverage insurance on a rebuilt title. very few will offer collision and vehicle’s value will be lower, which is absolutely just. However, the rates should not be affected, so the lower the value the less you pay. Many rebuilt car owners are only happy with that.

Does rebuilt title affect value?

Yes, it does. The value of a rebuilt vehicle is lower that that of a clean title. But how much a rebuilt title affects the value of a car depends on a number of factors, such as age, the type and extent of damage, quality of repair works. Generally, such autos are devalued by as much as 15-50%.

Is rebuilt title a clean title?

Depends on what you mean by saying a clean title. A clean title is commonly about the presence or absence of any liens and salvage history. As to liens, a rebuilt title can be free of them so that no one else has any claims on. In this sense, it’s clean. As to salvage history, the answer is negative. A rebuilt title is one or the “branded” titles and the branding remains with the vehicle for a lifetime. This title indicates that at some time the vehicle was totaled by an insurance company due to a severe damage and the claim was paid on it, but then it was repaired and put on the road again.

Is rebuilt title safe?

Yes, it is - but to a limited extent. Much depends on the state where the rebuilt title was issued. In some states reconstructed vehicles are thoroughly inspected by authorized agencies, like highway patrol

or the DMV for safety issues and meeting technical requirements. However, although one reasonably expects safety to be major criteria for deeming a rebuilt vehicle roadworthy, in some states, like Ohio, the only purpose of the obligatory inspection is to verify the parts used for reconstruction were legally bought and not stolen. As to safety and quality of repairs, there is not guarantee for the inspection is not about it at all. As to the market value of a car and further maintenance costs, it’s a different problem. You need to know how well the repair was done and how badly the car was damaged to estimate. Read more about the safety of rebuilt cars .

What does rebuilt title look like?

In different states a rebuilt title looks differently, as well as has a different name. Please, check the rebuilt title by state page.

What are the requirement to get a rebuilt title?

Rebuilt title requirements differ depending on the states law. Generally, the vehicle should be repairable under the state law (not junk or “parts only”), be fixed at a certified body shop (you’ll have to provide receipts) and pass a safety inspection.

Is buying a rebuilt title car bad?

A rebuilt title is a bad thing in comparison with a clean title because it has been salvaged due to certain damage. However, very often the low price makes up for the salvage history. If repair works were done well, buying a rebuilt title is OK. If the damage is serious and the quality of repair is poor, rebuilt title may be dangerous.

How does does rebuilt title work?

Rebuilt title works and means pretty much the same for automobiles, motorcycles or any other vehicle types. First, a vehicle gets a significant damage. Then, the insurance company evaluates repair costs and finds that they exceed about 75% of its original value. In such cases, the company prefers to pay the claim on total loss rather than fix the vehicle. The vehicle becomes the property of the insurance company and gets a salvage title (if it still can be repaired), which means it’s not good to be used on public roads. After that, the vehicle is sold at a salvage auction to a dealer or a private person who then fixes it. However, the vehicle is not roadworthy until it passes a highway patrol inspection as is deemed safe to drive. Only after that the owner can apply at the DMV for a Rebuilt or a similar title according to the state law. The vehicle then becomes roadworthy and insurable, but the branding will remain on the title permanently.

Can i get financing for a rebuilt title?

Yes, you can. Financing a rebuilt car is hard but possible. But no company will finance the full purchase price of a rebuilt title.

Which rebuilt cars are the best?

Those that received the least damage and have the lowest price. As these two conditions aren’t so easy to find in one vehicle, the first one is more important because it impacts your safety. However, quite often the choice depends on your current needs. Read more about the best rebuilt title cars .


Category: Insurance

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