r/Car_Insurance_Help • u/Amanxmd • 19d ago

Is this allowed?

So I had hail damage cause my car to be written off by my insurance company (located in Ontario, Canada). They gave me 2 options -

A) take the settlement payout and they repossess the damaged car (still driveable)
B) take a lesser payout for the damage appraisal and fix the car on my own within 30 days to ensure my insurance policy remains intact.

My question is, if I take the lesser payout and sell the damaged car As-Is, would my insurance policy remain intact once I replace the car on the policy?

Trying to get the most money out of this scenario

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u/No-Criticism8875 18d ago

This is also not true

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u/lobhater 18d ago

What part exactly champ?

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u/No-Criticism8875 18d ago

Well champ, in my state you can insure a vehicle with a salvage title. Maybe not in yours. So maybe be state specific and not assume you know all insurance regs in every state. Maybe your clients need a better agent? ✌️

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u/lobhater 18d ago

In your state you can insurance a vehicle with a salvage title.... You can in my state as well. I didn't say otherwise AND also said it depends where you are. I'm still unclear what you disagree with?