Feb 6, 2025 · Explore your options and next steps when your car is totaled and you only have liability insurance. Understand coverage, claims, and legal considerations.

The short answer is: who receives the insurance check depends on your car's ownership status. If you own the vehicle outright, you'll receive the payment directly. However, if you have a loan …

Jun 18, 2024 · Regardless of which insurance company the money is coming from, the insurer will typically pay out only the car’s current market value (if the policy states it will cover market …

Dec 12, 2024 · If your car is totaled and you only have liability insurance, you will have to pay to replace the vehicle yourself, or file a claim with the other driver’s insurance company.

Mar 22, 2025 · Learn what to do when your car is totaled and you only have liability insurance. Explore your options, next steps, and potential solutions to manage this situation.

Nov 24, 2025 · When a car has been totaled, the insurer must compensate you for the determined value of the vehicle prior to the accident. They won’t replace your car or guarantee that the …

Sep 3, 2025 · When a car is totaled, the insurance company pays out the car's actual cash value and takes possession of the car to sell as salvage. However, you have options if your car is …

Jan 28, 2024 · No, liability insurance does not cover your car if someone hits you. Your liability insurance covers the other person if you hit them, so if someone hits you, their liability …

Nov 6, 2025 · It's perfectly legal to loan your car to someone, and as long as you've given that person permission to drive your vehicle, your car insurance should cover them if they cause an …