Can you get insurance on a reconstructed title car?

Answer 1

The insurance company will not know that the vehicle has been reconstructed unless you tell them up front. The problem comes if you have an accident or claim which totals the vehicle. The value of a vehicle that been a total loss is far less than a vehicle that has not so the company will evaluate the value of your vehicle at a far lower amount when time to pay you in a total situation. This is a fact that you need to be aware of in case you do total the vehicle again. The company is obligated to pay you the value of the vehicle at the time immediately before your accident. This is fair as you pay far less for it versus buying an undamaged vehicle but you will pay premiums the same as anyone else.