Salvage Retention

Keeping your totaled vehicle after a claim instead of handing it to the insurer. They pay the total-loss value minus the salvage amount, and you get a salvage title.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.