Is My Car Totaled If It Is Over 50 Percent Damaged?

No matter how much you wreck or damage a car, it is never entirely void of value. However, if the cost to repair the damage exceeds a certain percentage of its current market resale value, you could be looking at a total loss. Continue reading to learn what this average percentage is, plus a bonus tip on how to earn the maximum profit by selling a totaled car in Indianapolis, Indiana.

Indiana Cash for Totaled Cars 317-608-2188
Indiana Cash for Totaled Cars 317-608-2188

Actual Cash Value (ACV)

In order to determine if a car is totaled or not due to the amount of damage it has, you need to calculate the Actual Cash Value, or ACV. This number will give you a basis to predict what the insurance company will do with your car or truck.  Actual Cash Value will be calculated by the insurance company using specific factors relevant to your vehicle, including the make and model, after-market modifications or features, pre-incident damages, and similar, regional auto sales of the particular vehicle.

3 Qualities of a Total Loss Vehicle

There are three key indicators of a totaled car. A vehicle will be deemed a total loss if it meets even one of the three:

➀ It cannot be safely repaired.
➁ The cost to repair exceeds the ACV.
➂ It meets Indiana’s total loss guidelines.

Your car does not have to be 50% damaged to meet the total loss guidelines listed above. It can be less than 50% damaged or more than 50% damaged and be deemed totaled. For this reason, it is important to have your vehicle properly evaluated and diagnosed by a licensed mechanic.

How to Keep a Totaled Car

In Indiana, you are permitted to keep your totaled car whether it is insured or not. However, if you want to still collect from your insurance, keep in mind that they will pay you the pre-crash value, but subtract your policy deductible and the amount of money that the insurance company would have gained by selling your totaled vehicle to a salvage yard. Is this the wise way to go? It depends on your intentions.

If you want to keep a totaled car for the purpose of reselling it, you should avoid claiming it under your insurance. Instead, sell directly to an Indianapolis junk car buyer for the maximum payout. This cuts out the middleman, so you make more money!

Are you looking for a well-established and ultra-professional auto salvage yard that can pay out top dollar for junk cars and motorized equipment in Indy? Contact GC’s Junk Cars at 317-608-2188 to get paid cash on the spot by a trusted junk car buyer in Indianapolis, Indiana. We provide FREE junk car removal!

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Do You Need Car Brake Repair or Replacement?

Do you suspect that your car brakes are acting funny, but not sure which signs to look out for to confirm your suspicions? Continue reading to learn how to tell if your car needs brake repair or brake replacement, plus what you can do if the cost to repair your vehicle is simply too high.

Indiana Junk Car Buying Company 317-608-2188
Indiana Junk Car Buying Company 317-608-2188

How to Know if You Need Car Brake Repair or Replacement

It would be a perfect world if our cars and trucks never required routine maintenance and upkeep, but unfortunately that is not reality. Our vehicles require a specific level of care to preserve and sustain appearance, performance, and most importantly, safety. Routine maintenance such as windshield wiper blade replacement, radiator flushes, tire rotations, oil changes, tune-ups, and more, are critical to overall vehicle preservation.

One of the most important components to keep in a safe and functional condition is the braking system. This system requires special attention in order to keep you safe on the road and protect your investment. If you neglect your car brakes, not only can it cause extra damage to your vehicle, but it can also lead to your car being a total loss.

That is because, in many cases, when an entire braking system needs to be replaced, the cost can exceed the total value of the vehicle. In this situation, a person’s best bet is to sell their totaled car to a junk car buyer, purchase another vehicle, and then stay dedicated to a routine brake maintenance agenda to avoid vehicular damage.

Brake Pad and Brake Rotor Deterioration

To understand how to identify or look out for brake problems in your vehicle, first it is helpful to understand the basic components of a car brake system.  There are four general parts: the hydraulic clamp, brake fluid line, brake pads, and brake rotors. Some may argue that brake pads and rotors are actually part of the wheel, but in this case, we will still include them because they can influence the need for brake repair.

In most cases, the brake lines and hydraulic clamp will not experience much wear and tear; they are built to last a long time. On the other hand, brake pads and rotors are susceptible to wear and tear at all times and will need replacing every few thousand miles or so. They are exposed to deterioration every time you drive because the pad presses against the smooth metal rotor every time the brake is applied.  Over time, this pad is worn down and will make a recognizable noise to warn you that they are low.

Brake pads whine or hiss when they get low.  The noise is actually the result of the bare pad scraping against the metal rotor (the metal disk that spins on the wheel) and causing friction between them.  It can start out as a faint squeak and turn into a high-pitched squeal if neglected.

If you hear grinding, then the pad is most likely worn completely thin and is grinding against the rotor.  This can really damage the brake rotors. The thickness of the brake padding, the amount of driving you do, and the way you drive all influence the number of times you will need to replace them.

When the Cost of Car Brake Repair is Too High

If you discover that your car brakes are shot and need to be replaced, but the cost exceeds the total value if your vehicle, you can still make it profitable by selling it to an Indianapolis junk car buyer. Choose a company that has premium electronic scales that can accurately assess the value of your junk car. Then use the cash toward another vehicle!

Is your vehicle in mechanical trouble but you can’t afford auto repair? Perhaps the cost of car brake repair is higher than the total value of your vehicle? If so, contact GC’s Junk Cars at 317-608-2188 to sell your total loss vehicle for cash on the spot to our trusted Indianapolis cash for cars company!

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GC's Junk Cars Indianapolis Indiana
GC’s Junk Cars Indianapolis Indiana

What You Need to Know About Liability Car Insurance Coverage

If you have just bought or received a new car you plan on driving, you will need car insurance. How much car insurance coverage you need depends mostly on what the state requires, but also your personal preferences, namely budget. Most states, including here in Indiana, require that all drivers maintain automotive liability insurance coverage at all times. This is known as the state-minimum for car insurance coverage.

Continue reading to learn some important facts about car insurance liability coverage that can help you better understand your options.

Totaled Car Buyers Indiana 317-608-2188
Totaled Car Buyers Indiana 317-608-2188

Liability Car Insurance Coverage Facts

Automotive liability insurance coverage is a type of car insurance coverage that only covers another person’s bodily injuries and property damages. The owner of the liability insurance policy is not covered. Let’s dive into this little further.

There are two types of liability car insurance coverage: bodily injury liability coverage and property damage liability coverage. Drivers are required to have both kinds of coverage at all times to operate a motor vehicle, legally.

▶ BODILY INJURY LIABILITY COVERAGE (BI) = Bodily injury liability car insurance covers another driver’s injuries, including their medical expenses and hospital bills.

▶ PROPERTY DAMAGE LIABILITY COVERAGE (PD) = Property damage insurance coverage pays for another driver’s automotive repairs, or for a new vehicle if the car is totaled.

Coverage Limits for Liability Car Insurance Policies

Although automotive liability car insurance covers another driver’s bodily injuries and property damages, you could still be responsible for paying out-of-pocket if the total cost exceeds your policy’s coverage limit. The state does set a minimum limit, but when you are purchasing car insurance, you can choose your own limit.

Let’s say you cause an accident, and the total cost of the of the driver’s medical expenses and property damages totals out to $25,000. Your insurance carrier will cover this cost so long as your coverage limit is at least that amount. If your coverage limit was only $20,000, you would be responsible for paying the remaining $5,000 out-of-pocket.

Your Bodily Injuries and Vehicle Damages

Under an automotive liability insurance policy, your own bodily injuries and property damages are not covered. The only parties covered are other drivers harmed in the accident. For this reason, it is strongly recommended to add collision insurance coverage to your liability insurance policy. Collision coverage would cover your bodily injuries and property damages in the case of an accident, but it would also come with a coverage limit. You can choose your coverage limit based on your budget and how comfortable you feel paying out-of-pocket in the case of an accident.

Comprehensive Insurance Coverage

Collision automotive insurance coverage does not cover other types of vehicle damages outside of motor vehicle accidents, such as a tree falling on your car or hail damage. If you want these types of damages covered, you will need comprehensive automotive insurance coverage.

Have you totaled your vehicle but only have liability insurance coverage, leaving you with no means to pay for repairs? Contact GC’s Junk Cars at 317-608-2188 to sell your junk car in Indianapolis, Indiana for cash on the spot! We provide free junk car removal, so we come to you!

Related Posts:

How You Should Prepare for Selling a Junk Car
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GC’s Junk Cars
GC’s Junk Cars 317-608-2188

Vital Car Fluids and What You Need to Know About Them

Your vehicle is an important asset that requires routine maintenance and responsible driving to perform safely, efficiently, and for many years. Among the various car maintenance requirements for all vehicles, regardless of make or model, automotive fluid management is arguably the most important task. Your vehicle requires 7 of them, all at once, without exception. Do you know what they are?

Continue reading to learn the seven essential automotive fluids every vehicle needs to drive safely and stay in good condition for years to come.

Indianapolis Salvaged Car Buyers 317-608-2188
Indianapolis Junk Car Buyers 317-608-2188

Your Vehicle Needs These 7 Car Fluids

Motor Oil

Engine oil is of course one of the most well-known and significant fluids for cars and trucks. It lubricates all the inner workings and moving parts of a car engine’s crank case to reduce heat-causing friction. Without proper lubrication at all times, parts like pistons, valves, and more, are subject to damage. This renders a motor useless.

Depending on the make and model of your particular vehicle, the schedule for oil changes will vary slightly. Check your owners’ manual or consult a trusted local mechanic for information about your vehicle’s factory scheduled maintenance. Generally, motor oil should be changed every 5,000 or 6 months, whichever comes first.

Radiator Fluid

Your vehicle’s coolant is a must, since without it, your car is sure to overheat. Radiator fluid, also called coolant or antifreeze, is a 50/50 combination of solution and water, and can come in a variety of colors depending on the brand and type you buy. It keeps the engine from overheating by circulating through the engine and collecting heat, returning it to the radiator, and then dispersing this heat outside. This should be changed as needed, depending on how often you drive and your driving habits. Generally, coolant should be changed every 3 to 5 months, or 3,000 to 5,000 miles.

Windshield Wiper Fluid

Most often forgotten or overlooked, windshield wiper fluid is an essential part of driver and passenger safety. This is a fluid anyone can re-fill themselves, as needed. Simply by this well-known blue solution at a gas station or auto parts store. Refill as needed.

Transmission Fluid

Transmission fluid is red in color and very similar to motor oil in terms of its function. This is because it cools and lubricates the inner workings of a vehicle’s transmission. This keeps the vehicle’s gears in good condition, allowing for easy gear changes and functionality. Generally, this fluid should be changed one time per year. Again, check your owner’ manual, or download one online, for specific maintenance schedule information.

Brake Fluid

In terms of passenger safety, you might say brake fluid is the most important for a vehicle. Brake fluid allows for proper hydraulic functioning of the car brakes. When you push down on the brake pedal, the brake fluid compresses, sending hydraulic force to the brake pads and shoes, which provides the friction needed to stop a vehicle. Generally, brake fluid should be replaced every 2 years, or 30,000 miles. Check your owners’ manual for details.

Power Steering Fluid

Power steering fluid is pressurized by a small hydraulic pump that is powered by the vehicle’s engine. It allows the vehicle to turn easier. This fluid enhances the steering mechanism of a car or truck. Without it, it would feel as if the steering wheel weighs 100 pounds. Power steering fluid needs replaced generally every 4 years or 60,000 miles.

Battery Fluid

If your vehicle has a “maintenance-free” battery, then you will not be required to check its fluid levels. But for older model cars and trucks, batteries have individual cells that need to be refilled with battery fluid. This fluid, of course, maintains the car battery’s power, allowing for turning the ignition and starting the engine. Battery fluid should be changed generally every 6 to 8 months or 7,500 miles.

If your car bites the dust, don’t think for a second that you are out of luck! Contact GC’s Junk Cars at 317-608-2188 to sell a junk car in Indianapolis, Indiana. We offer free junk car removal, so all you have to do is call and accept our offer! Request a free estimate, today.

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GC’s Junk Cars
GC’s Junk Cars 317-608-2188

How to Diagnose Water Damage in Your Car

Flood damage in a vehicle can be devastating to its overall value. In many cases, serious water damages will total out a car. With the ongoing rainfall and impending wintry conditions, water and flood damage are an even higher risk for cars and trucks. It is a good time to inspect your vehicle for signs of water damage before any existing leaks or flooding can worsen. Furthermore, standing water can quickly evolve into a mold outbreak, which is toxic to your health. The sooner you resolve water damages in a vehicle, the better.

Continue reading to learn how to diagnose flood and water damage in a car, plus how you can make back cash if yours is totaled because of such damage.

Indianapolis IN Auto Salvage Yard 317-608-2188
Indianapolis IN Auto Salvage Yard 317-608-2188

Signs of Flood Damage in a Vehicle

There are many signs you can look for that will tell you how serious the water damages are in your car, if they even exist at all. But the top three signs that are strongly suggestive of flooding include musty smells, visible mold growth on upholstery or carpeting, wetness and moisture, and rust.

Musty Smell

Standing or sitting water will generate a musty smell in the air in enclosed areas. Your car’s interior cabin provides the perfect conditions for damp air to thrive. If you have moderate to serious water damage in your car, your interior is bound to smell like your grandmother’s basement.

Mold Growth

Moisture and lack of sunlight are the perfect conditions for damp air to thrive, but also for mold to grow. If you spot black-ish or dark-colored mold spreading on your seats, inside your trunk, or on your carpeting, you have water damage in your vehicle.

Wetness

If your carpets or upholstery inside your vehicle are wet to the touch after 24 hours, it is safe to assume that your car has moderate to severe water damage. If your carpets are wet after a rainy or snowy day, they should dry within 24 hours.

Corrosion

If the metal components and aesthetics inside your car are showing signs of rusting or corrosion, water could be the source of the problem. Inspect your doors, door jams, dashboard, pedals, and handles for rust or metal corrosion.  Beads of water or moisture inside your tail and headlights are another sign of water damage.

Take Advantage of Auto Salvage if Your Car is Water Damaged

Noticing any of these signs is indicative of a need for immediate auto service or repair. If your car is now totaled because of serious flood and water damage, you can still make good use of it, that is, if you choose a reputable Indianapolis junk car buyer. Auto salvage yards are prime resources for anyone who has a junked or totaled vehicle. The best ones pay cash on the spot and provide free junk car removal.

Not sure which junk car buyer to trust for the highest cash for cars payout? Contact GC’s Junk Cars at 317-608-2188 to speak with a licensed and qualified Indiana cash for cars professional and receive an instant quote over the phone! We also provide free junk car removal!

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GC’s Junk Cars
GC’s Junk Cars 317-608-2188

How to Get Free Car Wreck Towing in Indianapolis

Wrecked your car and need it towed away? You can get it done right now, and for free. Scroll down to learn more.

If you have just been in a car accident, hopefully you are safe, and have been treated and cleared by a medical professional at the scene. But the same cannot likely be said about your vehicle. For minor to moderate car wrecks, you will probably need to pay to have your vehicle towed to your auto repair shop of choice. However, for cars that do not make it out on the other end, they are more of a ball and chain after a car accident. That is because you are solely responsible for having it towed to your house, which you will have to pay for out of pocket, only to then be faced with the ongoing burden of disposing or storing your totaled car later. But there is another option, arguably a better option, that will provide you with instant relief without any financial obligations.

You can get your wrecked car towed away from the scene of a car accident for free by selling it to an Indianapolis junk car buyer.

But do not fall victim to scams and bad deals! Be sure to choose the right Indianapolis cash for cars company that can actually pay you the full scrap value for your vehicle and provide free towing. Scroll down for easy, step-by-step instructions for getting started.

Get FREE Car Accident Towing in Indianapolis!

GC’s Junk Cars is Your Trusted Indianapolis Cash for Cars Company

GC’s Junk Cars are the real Indianapolis cash for junk cars professionals to trust for exceptional service, honest payouts, and plenty of client conveniences. We retain state of the art technologies and resources that reveal the precise scrap content of your vehicle, so you know you are getting an honest and fair offer. Furthermore, as true industry professionals who have a well-established reputation, we have the sufficient capital to pay the proper estimated values for junked and totaled vehicle.

We also have our own in-house tow truck, and will pick up your wrecked car for free. Not only do we pay the highest payouts for totaled cars and trucks in Indianapolis and its surrounding counties, but we also dispose of junk cars according to all Indiana EPA regulations. This means you do not have to worry about your car having any kind of negative impact on the environment.

Here’s the Step-By-Step Guide for Wrecked Car Towing in Indianapolis:

Call Us at 317-608-2188
Get a Free Phone Quote
Schedule Free Pick Up
Get Paid Cash on the Spot!

Get Started With a Free Junk Car Appraisal in Indianapolis

Call GC’s Junk Cars at 317-608-2188 to request a free quote from a trusted Indianapolis junk car buyer, today. Remember, we offer free towing with our in-house tow truck, and make the junk car selling process as easy as 4 simple steps. All you have to do is call and accept our offer. We will pick up your vehicle and then pay you cash on the spot. No located within the Indianapolis area? No problem! We also do business in all surrounding counties and neighborhoods. Request a free estimate, today!

GC’s Junk Cars
GC’s Junk Cars 317-608-2188

Can I Get 500 Dollars for My Junk Car?

If you have a junk car to sell, you are in a great position. You can certainly make some fast cash and get rid of it in an environmentally-responsible way, all at the same time. However, do not allow yourself to be misled by people who have, in previous years, earned up to $500 for their junk vehicle. You see, there are many variables that influence how much a junk car is worth, one major variable being the price of scrap metal. And in recent years, the price of scrap metal has gone way down.

For this reason, it is not likely that you will get any junk car buyer to pay you $500 for your junk car, unless it actually still runs. But don’t get down! You are still set to make a hefty profit from selling your junk or totaled vehicle, so long as you choose the right company to do business with.

Continue reading for a better understanding of junk car values and the scrap metal market, as well as where to get paid the most for your junk car in Indiana.

Indianapolis Junk Car Buyers 317-608-2188
Indianapolis Junk Car Buyers 317-608-2188

Last’s Years Top 10 Nationwide Junk Cars

To see how much your junk car might be worth, take a look at last years top 10 junked cars and compare their 2020 average worth to your make and model vehicle.

2005 Nissan Altima
$199.33

2001 Honda Accord
$172.17

1998 Honda Accord
$129.20

1999 Honda Accord
$149.97

2006 Chevy Impala
$188.87

2002 Honda Accord
$191.03

2000 Honda Accord
$171.03

2006 Nissan Altima
$191.00

2005 Honda Civic
$371.64

2001 Honda Civic
$199.45

What You Can Expect

Basically, if your junk car or totaled car is near the make and model of these cars, you can expect to get paid anywhere between $130.00 and $200.00, give or take. Again, this also depends on several other factors that can lower or raise your junk car’s worth. Such factors include the vehicle’s condition, location, difficulty to transport, and more.

How to Choose the Right Junk Car Buyer

The right junk car buying company has a good reputation, is sufficiently-equipped to provide accurate weigh-ins and assessments, and successful enough to pay the highest return possible for your asset. Furthermore, they offer a list of customer conveniences that make the process of selling a junk car, simple to follow. Skip the hassle of calling around and simply do what most other Hoosiers do: Choose GC’s Junk Cars in Indianapolis to sell a junk car in Central Indiana!

Call GC’s Junk Cars at 317-608-2188 to learn just how easy the car selling process can be. Our Indianapolis, Indiana junk car buyers offer FREE estimates and FREE towing with our in-house tow truck! So, all you have to do is call and accept our offer. We will schedule a time to pick up your vehicle and pay you CASH ON THE SPOT! We accept all vehicles and motorized commodities, regardless of age or condition. Request a free estimate, today!

GC’s Junk Cars
GC’s Junk Cars 317-608-2188

Do I Have to Notify My Insurance Company to Sell My Junk Car?

When it comes time to sell a car, whether a brand new model or an antique automobile, your first thought might be regarding your insurance coverage. That is, if you even have any at the moment. Continue reading to learn how a junk car is deemed a total loss, and when selling one requires you to contact your insurance carrier in Indiana.

Indianapolis Junk Car Buyers
Indianapolis Junk Car Buyers 317-608-2188

Total Loss Junk Cars

When a car is damaged, and the cost to repair the damage exceeds the vehicle’s overall value, an insurance company will consider it a totaled car, or total loss vehicle. For instance, if your car is worth $3,000 on the current market, but after your accident, the total cost of repairs is estimated to be $4,400, then the car is totaled. A car can only be deemed a total loss by the insurance company. An insurance adjuster will come out to inspect the vehicle and determine whether or not it is totaled.

You generally have two options when your car is deemed totaled by your insurance carrier. You can either file the claim to receive compensation from your insurance provider (the amount of compensation will depend on various factors, including your particular policy terms and the market value of your vehicle), or you can refuse to file it with your insurance and keep the car. If you choose to file a claim with your auto insurance carrier, they will take the vehicle, title, keys, and license plate out of your possession.

Notifying Your Insurance Company

If you plan to keep your total loss vehicle, and it is actively insured, you will need to notify your insurance company. If your junk car does not have any insurance coverage, so long as you are the lawful owner, you can sell it without notifying anyone. If the car is still registered, however, you will need to cancel the registration before selling it to a junk car buyer. If you file a claim with your insurance carrier and receive money to repair or replace your vehicle, but instead sell it, you could face legal penalties.

Where to Sell a Junk Car in Indianapolis, Indiana

Call GC’s Junk Cars at 317-608-2188 to get started on your free quote if you wish to sell a junk car in Indianapolis, Indiana. We offer free towing with our in-house tow truck, so all you have to do is call and accept our offer. We will schedule a time to pick up your vehicle, and then pay you cash on the spot. Request a free estimate, today!

GC’s Junk Cars
GC’s Junk Cars 317-608-2188

Is My Car Totaled if it Can’t Pass an Emissions Test?

There are many obvious circumstances that render a car a total loss. But what about the more hidden causes of a totaled car? For instance, an emissions test. There are many states that require routine automotive emissions testing. Is Indiana one of them? Because if your car can’t pass one, you might be the bummed owner of a totaled car. But that’s not such as bad thing either!

Continue reading to learn what you need to know about vehicular emissions tests, and why a totaled car can still provide worthy value.

Indianapolis Junk Car Buyers 317-608-2188
Indianapolis Junk Car Buyers 317-608-2188

Indiana Law on Emissions Testing

Here in the Hoosier State, it is not necessarily a law that vehicles must pass an emissions test prior to registration. However, it is strongly encouraged. In most other states, if a car does not pass an emissions test, it cannot be lawfully registered. Although there are a few exceptions, if a car doesn’t meet EPA standards and guidelines, you cannot legally drive it in states that have this law. Here in Indiana, there is no such requirement, so cars that don’t pass an emissions test can still be operated legally.

CAR WON’T PASS AN EMISSIONS TEST? No problem in the eyes of the law in Indiana, but you still might want to get it fixed.  

Why Test Car Emissions?

Although Indiana does not require it by law, it is important to monitor and maintenance your car’s emissions. When vehicle burn fuel, harmful emissions are generated, and disbursed into the surrounding environment. By ensuring our vehicles meet safe emissions standards, we better protect our planet, and all the living things that call Earth home. Emissions testing standards were developed by the Environmental Protection Agency, and regulated by the Department of Motor Vehicles.

So, is My Car Totaled or Not?

When you car won’t pass an emissions test, it is not likely totaled. In order to gauge whether or not a vehicle is a total loss, identify the current market value for the vehicle, and compare it to the total cost to have the problem with the emissions repaired. If the cost to repair is higher than the value of the vehicle, your car is a total loss. But not to worry! You can sell it to a local Indianapolis junk car buyer and get paid instant cash on the spot!

How to Maximize Your Payout for a Junk Car in Indianapolis

Call GC’s Junk Cars at 317-608-2188 to get rid of a junk car in Indianapolis, Indiana for an instant cash payment. Our Cash for Cars Company offer free towing with our in-house tow truck, so all you have to do is call and accept our offer! We will schedule a time to pick up your vehicle and pay you cash. Call 317-608-2188 to request a free estimate, today.

GC’s Junk Cars
GC’s Junk Cars 317-608-2188

Will Auto Insurance Cover Engine Fires?

Car engines can catch fire for many reasons. From arson to accidents, the list of possible causes might be broad, but will always bring you back to the question of insurance coverage. Is an engine fire accident covered or not? Continue reading to learn what you need to know about car insurance engine fire claims, and your options for recovering a payment for your junk vehicle.

Indianapolis Junk Car Buyers 317-608-2188
Indianapolis Junk Car Buyers 317-608-2188

Comprehensive Insurance Coverage

Unless you have comprehensive insurance coverage for your vehicle, it WILL NOT be covered under policy in the case of an engine fire. You see, collision coverage will cover car wrecks, while comprehensive insurance policies cover all types of damage that can happen to a vehicle aside from a collision, such as vandalism, fallen tree, flooding, theft, and of course, engine fires.

In some states, comprehensive insurance coverage is mandatory for all vehicle owners, but most states keep it optional. However, if you are financing your vehicle, it is likely that your lender will require comprehensive coverage, even in you live in a state that does not legally enforce such insurance. This is especially true if the vehicle is being used as collateral for a loan.

Engines Fires

Engine fires can happen for a variety of reasons. Sometimes, engine fires are intentionally started for the purpose of vandalism, which is referred to as arson. Other times, car engines catch fire as a result of serious collisions, improper fuel storage, and faulty or defective automotive mechanics. Most auto insurance does not coverage mechanical malfunctions, but engine fires are typically an exception under such policies.

If an engine catches fire in your garage, even if the cause was accidental or a result of a system failure in the house, it will not be covered under homeowners’ insurance, but would be covered under comprehensive. Similarly, if your car is vandalized and set on fire, it will not be covered under your homeowners’ nor your automotive insurance (unless you have comprehensive).

Total Loss Vehicles

Virtually all engine fires cause a vehicle to be a total loss, which means the cost to repair it back to its original, pre-accident condition is higher than the current market value. When this happens, and you do not have comprehensive insurance coverage, you might be feeling like you are out of luck. Although you cannot receive an Actual Cash Value insurance settlement to buy a new car, you can sell it to a local junk car buyer. A Cash for Cars Company will pay you on the spot for your vehicle, regardless of its condition. This profit can be handy, as it can be applied toward a new car or car payment.

How Sell a Junk Car in Indiana

Call GC’s Junk Cars at 317-608-2188 to sell a junk car in Indianapolis, Indiana. We make the car selling process as easy as possible by offering FREE towing with our in-house tow truck! So all you have to do is call and accept our offer. We will schedule a time to pick up your vehicle and pay you CASH ON THE SPOT! We accept all vehicles and motorized commodities, regardless of age or condition. Request a free estimate, today!

GC’s Junk Cars
GC’s Junk Cars 317-608-2188