The insurance company for the owner at fault says my vehicle is a total loss and wants my title and keys; Should I provide them?


You will most likely be paid the value of your vehicle in exchange for the vehicle itself.  The insurance company will then sell it for parts and scrap.  But it cannot take and dispose of the vehicle without the title and a key.  You will probably be reminded to retrieve your license plates and personal belongings before the vehicle is taken away-but it’s good to remember to do this yourself.

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