Generally, a vehicle that has a salvage title can be worth thousands of dollars less than one that does not have a salvage title. Auto and insurance industry sources report that the decrease in value of a vehicle that has a rebuilt or salvage title is typically between 20 percent up to 50 percent depending on the type of vehicle and its age.

The diminished value of the vehicle, due to the type of title it had, will thus likely decrease your settlement amount. You might be able to get an idea of what your car's worth is by calling auto salesmen and asking what your car would have been worth, before being stolen and after getting that estimate mention the salvage title and see how their estimate changes.

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