You should refer to your policy jacket for specific details. It will state what the insurance company's rights are regarding your totaled vehicle. However, as a policyholder, you have certain rights too. Every state has laws protecting consumers. Your policy is a legal contract between you and your insurer. It defines your rights and obligations as well as the rights and obligations of the insurance company.

If you have any questions regarding your rights under the policy, talk to your insurance agent or company representative or claims adjuster. You can also contact your state insurance department, state attorney general's office, or your state's consumer affairs department.

We are an insurance broker for many fine insurance companies from which you can get a fast quote and immediate coverage here.