Thinking About Insurance Options

[Coomer]

I'm thinking about insurance on my car. I have a salvage title now due to the recent vandalism and accompanying $6,990 worth of damage, but my car is close to being back to presentable status. I just need to dye some seats, replace some carpet, replace a door panel and build a couple new interior panels.

Anyway, my car has liability insurance only now. I'm not too concerned because I will soon have lots of visual theft deterrent and lots of extra sirens and horns when my alarm goes off. Plus I'm moving out of town in less than a month, so I'm not too worried about it getting broken into. And I'm not really worried about me being at fault in a wreck. I drive very carefully and am always very alert when driving the car.

What I do worry about it some soccer mom in a quadruple-ton H2 taking out my car. What happens if I get hit and I'm not at fault? My car will be in a fixed state very soon, so would I get paid for the blue book value of the car by the other driver's insurance if it gets totalled? Or will the other driver's insurance pay me very little because the car already has a salvage title?(Even though it was fixed close to the condition it was in before)

If the car just needs work that's well under the blue book value of the car, will the other driver's insurance pay for that, or will they declare my car a total loss since it's got a salvage title and try to pay me only a little bit of money?

Let's assume the other driver has a fair insurance company(well, there's no such thing, but fair in comparison to the bad companies.) I ask because I'm considering putting money back into the car(Megasquirt, brake upgrades, new rims, etc.) Any insight would be appreciated.

[DamDirtyApes]

Honestly i dont think they would give you the KBB value. Insurance companys are all about the cheapest way out. And its alot cheaper for them to say it was already a salvage car then to pay KBB value.