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If a vehicle is wrecked then totaled and it has lost title will this affect the insurance claim?

Yes, a lost title can affect your insurance claim.

When you file a claim for a wrecked vehicle, your insurance company will require you to provide the title to the vehicle. This is because the title is proof of ownership, and it is necessary for the insurance company to process the claim. If you have lost the title, you may need to take steps to obtain a duplicate title before your insurance company can proceed with your claim.

The process for obtaining a duplicate title varies from state to state. Generally, you will need to visit your local Department of Motor Vehicles (DMV) or motor vehicle agency and complete an application for a duplicate title. You will also need to pay a fee, which varies from state to state.

Once you have obtained a duplicate title, you can submit it to your insurance company. This will allow the insurance company to process your claim and provide you with the compensation you are entitled to.

It is important to note that some insurance companies may not accept a duplicate title as proof of ownership. In this case, you may need to provide other documentation, such as a bill of sale or a vehicle registration. It is always best to contact your insurance company in advance to find out what documentation they will require.