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TDI 101 Got a simple/basic TDI question? Are you a newbie (new to the forums). Feel free to post your question here.

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Old October 9th, 2019, 11:24   #16
Rob Mayercik
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Join Date: Dec 2001
Location: NJ, U.S.A.
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Quote:
Originally Posted by Mongler98 View Post
you cant be more wrong about that. In the case that its the owners fault, then kinda your right. Insurance policy can actually force the DMV to deam your title as a salvaged title if the damages are bad enough that the repairs are that extensive. that is a total as far a title counts.
if its NOT your fault, they can still total the car very easily if your looking for repairs from the at fault party.
i seriously suggest you actually read your policy, it sounds like you dont know and are just guessing. you might be surprised at how screwed you can be on insurance once you read what you have been paying for all these years.
Ok, I read up on my policy, and that "which company do you put in a claim to" does make sense.

That being said, most states will require at a minimum liability insurance on any vehicle actively registered for use on the roads. If the O/P intends to keep her 01 and drive it periodically, it makes no sense to carry any more than the bare-minimum required coverage on it, given its age. If it's going to be placed into "cold storage" (a year or more), then maybe it makes sense to drop the insurance completely, but if there's a chance it'll be used, go minimal.
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