Home Car insurance Totaled car What to do when your car is totaled and you only have liability insurance What to do when your car is totaled and you only have liability insurance By Penny Gusner Penny Gusner Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s. | Posted on October 7, 2014 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. You might be able to remove your truck from your car insurance policy without spilling the beans about your roll-over accident if it was a single-car accident. However, it doesn’t mean your insurer won’t find out about the accident another way. If the police made a report on the accident and your state places accidents on your driving record, your insurer will find out the accident the next time it pulls your record, whether you still own that vehicle or not. Also, your car insurance company may ask why you’re removing your truck. Honesty is always the best policy since you don’t want to be looked at later for misrepresenting facts. You’re correct that liability insurance doesn’t cover damage to your own vehicle, so you’re unable to make a claim for the total loss of your truck. If you damaged another party’s property in your roll-over accident (such as another car or, say, a person’s fence) it would be covered by your liability insurance — up to your limits. And, if you’re trying to keep the accident a secret from your insurer, unfortunately that won’t happen if another party makes a claim against your liability coverage. If you had collision insurance on the truck, you could have made a claim for its actual cash value since the “upset” of a vehicle is covered by this optional coverage. Keep this in mind when buying a replacement vehicle and deciding upon which car insurance coverages you should choose. Find out more about the main types of car insurance coverages. Penny GusnerContributor  . .Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s. QuickTake How to keep your totaled car Total loss car insurance settlement How to get a new car after a total loss Total warfare: What to do when your auto insurer totals your car See more > In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to Car Insurance Discounts Proper insurance coverage for college-bound children How to read (and actually understand!) your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1