The customer problem
A total-loss decision changes who may transfer the vehicle
A total-loss vehicle may be at a home, tow yard, body shop or storage facility while the insurer, lienholder and owner determine who has authority to transfer it.
If the vehicle has collision damage but no total-loss decision, use the wrecked-car page. If hail is the defining condition, use the hail-damaged page.
Discuss your vehicle: 816-588-8888 ›Service-specific questions
Totaled Cars: frequently asked questions
Can I sell a car after the insurance company totals it?
It depends on who owns the vehicle after the claim, lien status and title handling. Confirm those facts with the insurer or lienholder before agreeing to a sale.
Do I have to repair a totaled car first?
No. We evaluate it in its current condition.
Can you pick it up from a tow yard?
Potentially, but the owner must arrange lawful release and address any facility requirements or charges.
What photos are most helpful?
Send all four sides, each damaged area, wheels, interior, deployed airbags, engine bay if accessible and any missing parts.
What if there is still a loan on the vehicle?
The lienholder may control the title or transfer. Resolve the lien before pickup planning.
Is a salvage title acceptable?
Title requirements depend on the specific vehicle and current documentation. Share the exact title status for review.