Im considering buying a car here in Toronto it has a claim but clean tittle. If I go ahead and purchase it and ever get in a collision, will I get a full payout for the cars value? Or less like a rebuilt tittle?

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1. When purchasing a car with a claim but a clean title, it’s important to understand how that might affect your insurance and payouts in the event of a future collision. Generally, a clean title means that the car is not branded as salvage, rebuilt, or otherwise categorized as a total loss, so you should be eligible for a full payout based on the car’s market value if you have comprehensive coverage.

   However, the prior claim could still influence the car’s value when assessing claims. Insurance companies take into account the vehicle’s history, and if the car had significant damage in the past, its market value might be assessed lower than a similar car without a history of claims.

   To ensure you are fully informed, I recommend:

   1. Check the car’s history: Use services like Carfax or AutoCheck to get detailed reports on previous claims and damage.
   2. Talk to your insurance provider: Ask how they handle claims on cars with past damages and how it could affect your payout.
   3. Get an independent inspection: This can help assess the current condition of the vehicle and its value.

   Being well-informed will help you make the best decision and prepare for any future incidents.

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