Has anyone in Virginia had a car declared a total loss by insurance, kept the car ?
Has anyone in Virginia had a car declared a total loss by insurance, kept the vehicle, and gone through the salvage/rebuilt process?
My insurance company told me they are notifying the DMV, but in the settlement paperwork there’s a section about applying for a salvage certificate within 10 days and it says “Does Not Apply.” When I asked the adjuster if I would need a rebuilt title, he told me to ask the DMV because he wasn’t sure.
The car is still registered, has plates, and is drivable with mostly cosmetic front-end damage. I’m trying to understand if this automatically means the title will become salvage/rebuilt in Virginia, or if anyone has had a similar situation where the insurance totaled the car financially but the DMV did not require a rebuilt title.
Also, if the DMV does brand it salvage, how long did the rebuilt inspection process take for you?