No, you can't get insurance for salvage cars.
No, you cannot insure a car with a salvage title in Minnesota. Salvage vehicles are cars that have been declared a total loss, meaning they're too damaged to be worth repairing and cannot be driven legally.
If a vehicle has been acquired by an insurance company through payment of a total loss claim, the certificate of title must be stamped with the term “SALVAGE-MUST BE INSPECTED” in red. A salvage vehicle cannot be issued registration and cannot be driven on the road in Minnesota unless it passes a salvage inspection.
A salvage vehicle cannot be issued registration and cannot be driven on the road in Minnesota unless it passes a salvage inspection. The purpose of a salvage inspection is to deter people from restoring damaged vehicles with stolen replacement parts.
What is the Minnesota Title Loophole? In Minnesota, cars that are at least six years old or worth less than $9,000 can receive a clean title even after a serious accident. Worryingly, these cars don't require any type of inspection before they are rebuilt and sold to unsuspecting buyers.
Vehicle inspections To clear your vehicle's salvage status, it must pass a DVS inspection. The inspection is not a safety inspection. Instead, it's focused on deterring fraud and theft. You need the vehicle identification number to schedule an inspection.
Although insurance companies in Minnesota won't insure a car with a current salvage title, you can get coverage if you have the vehicle repaired and inspected by a state-certified mechanic. If it's declared safe to drive, the DMV will issue the car a rebuilt title.
Once a vehicle is marked salvage it must be inspected to remove the Salvage Brand. Vehicle registration may be renewed only once on a salvage title. It is to your advantage to clear the salvage status of the vehicle in a timely manner.