How much do insurance companies pay for a re-totaled salvage car?

Insurance companies seldom insure salvage title cars. They would likely pay nothing if they found out it had been totaled before.

I would think that an insurance co wouldn't give full coverage on a salvage. If you were hit by someone not much $. A salvage salvage, lose it, it's obviously has bad luck!

Why in any sense of the word would you even think of buying insurance on a salvage car? It wouldn't be worth one years premiums.

Auto insurance in most states pay ACV (Actual Cash Value) on a "total loss". Since salvage vehicles are always worth considerably less than their non-salvage counterparts, most companies will not insure them for physical damage coverage, and those that do will endorse the policy with an agreed "stated amount" endorsement. However, since the other party is at fault, they are obligated to pay the fair market value of the vehicle. In most cases, you will be lucky to get 50% of the low Kelley Blue Book value.

Generally speaking, the value of the vehicle just before the loss, adjusted to condition. If you had just bought new tires, and put in a new stereo for example, they would adjust up. They may cite the salvage title as a reason to adjust downward, although it should not be a factor.

Market value, i.e; what the buying public would pay for your car prior to the loss. Face it, a rebuilt total isn't worth very much no matter what condition it's in.

If the car is totaled (again) and it was not your fault, the at fault party's insurance will probably pay you something (basic transportation clause) but not much. You might also get some cash to rent a car for a BRIEF period of time.