Does USAA Insure Rebuilt Titles?

What is a Rebuilt Title?

Rebuilt titles are cars that have been salvaged due to extensive damage and then repaired. Salvage cars are usually declared a total loss by an insurance company or the owner of the vehicle when the repair costs exceed the value of the car. Once the necessary repairs have been made, the vehicle is given a rebuilt title, and it is usually safe to drive.

Rebuilt titles can be less expensive than vehicles with clean titles, however, there is an inherent risk with purchasing a car with a rebuilt title. The vehicle may have structural or mechanical damage that is not immediately obvious and could cause problems in the future. It is important for buyers to do their research and conduct a thorough inspection of the vehicle before making a purchase.

Does USAA Insure Rebuilt Titles?

USAA is an insurance company that provides coverage for cars, homes, and businesses. They offer a variety of coverage options for vehicles, including cars with rebuilt titles. However, USAA does not offer comprehensive coverage on rebuilt titles, but they do offer liability insurance. Liability insurance covers bodily injury and property damage that you may cause to another person or property while operating your vehicle.

It is important to note that USAA does not guarantee the condition of the vehicle with a rebuilt title, so they may not cover any damage caused by a mechanical or structural failure. Additionally, USAA will not cover any existing damage that was not disclosed when the insurance policy was purchased.

Things to Consider Before Buying a Rebuilt Title

When buying a car with a rebuilt title, it is important to consider a few things. First, you should always get a vehicle history report to ensure that the car has not been in any major accidents or had any major repairs. Additionally, you should have the car inspected by a qualified mechanic to ensure that it is in good condition.

It is also important to consider the cost of insurance. Insurance companies consider cars with rebuilt titles to be a higher risk and will charge higher premiums. You should get a quote from several different insurance companies to find the best rate. You should also factor in the cost of any repairs you may need to make in the future.

Conclusion

In conclusion, USAA does offer liability insurance for cars with rebuilt titles. However, they do not guarantee the condition of the vehicle and will not cover any existing damage that was not disclosed when the policy was purchased. Additionally, insurance rates for cars with rebuilt titles are typically higher than for cars with clean titles. It is important to do your research and get a vehicle history report and an inspection before making a purchase.