However, if your vehicle is newer, you are required to hand it to the insurance company along with the clear title before your claim is settled. You may only file a claim with your insurer provided you have the corresponding coverage for a totaled vehicle, liability coverage alone doesn’t cover you for bodily injury or property damage.
My Vehicle is a Total Loss. May I Keep It Anyway?
Key Takeaways
- Under the Illinois Vehicle Code, you are allowed to keep a totaled vehicle if it is nine years old or older, although the insurance company is not required to let you.
- If your totaled vehicle is newer than nine years, you must give the vehicle and its clear title to the insurance company.
- To file a claim for a totaled vehicle, you must have corresponding coverage, as liability insurance alone does not cover this type of damage.
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