How to Purchase Commercial Insurance for a Repaired Total Loss Vehicle?

[VanMartin]

Total loss vehicles cannot purchase commercial insurance again. A total loss vehicle refers to an insured vehicle that is completely destroyed or severely damaged, losing its repair value. Additional Information: Below are common types of total loss vehicles: 1. Vehicles that have undergone severe collisions, damaging the engine compartment and the passenger compartment; 2. Vehicles where the body has been submerged in water exceeding half of the body height, or where water has entered the passenger compartment; 3. Vehicles where the body has been burned over 60% of its surface area (burned area), and still pose safety hazards after repair; 4. Total loss of a vehicle is divided into two situations: one is actual total loss, meaning the vehicle is completely destroyed and cannot be repaired; the other is constructive total loss, meaning the vehicle can still be repaired, but the repair cost reaches or exceeds the actual value of the vehicle, making the repair valueless and unnecessary, thus it can be treated as a total loss.