If a vehicle has been declared a total loss the owner or the insurance Oct 25, 2023 · If you decide to buy back your totaled car, you will need to restore it to a condition in which it is safe to drive and insurable. If you keep a totaled car, you'll have to insure it to get it back on the road after repairs. Secondly, an individual may be able to use the report as physical evidence if they decide to bring a lawsuit against the driver who was responsible for the accident. These laws are also apparent when the insurance company can declare your damaged car totaled, also called the total loss threshold. Dec 10, 2021 · In Mississippi, as mentioned above, you’re allowed to keep your car after it’s deemed a total loss as long as you sign the title over to your insurance company and get a salvage title for the vehicle. Generally, a vehicle is a total loss when the cost to return it to its pre-loss condition is greater than the value of the vehicle. Sep 19, 2022 · California’s Total Loss Law. If you own your car outright, then you get the full amount. If your insurer allows you to do this, you must inform your insurer immediately that you want your car back. State. 31 Pa. Jan 2, 2024 · A totaled car is when a car insurance company decides that the cost to repair your vehicle exceeds (or is close to exceeding) what your vehicle is worth. However, you may have the option to keep the car if you choose to do so. Visit the Texas Department of Motor Vehicles (TxDMV)’s website for more information. A car is considered a total loss in Minnesota when the cost of repairs exceeds 80% of the vehicle's actual cash value from immediately before the damage. And, in some states, a vehicle may be a total loss if the repair costs would exceed a percentage (e. Oct 5, 2022 · A car is considered a total loss, or totaled, when the cost to repair the car is more than your car’s actual cash value (ACV) just before the accident. If you own your car outright, the entire insurance settlement will go to you. Apr 1, 2024 · The insurance company keeps the proceeds of this sale. For the insurer, it doesn’t make financial sense to pay more in repairs than the car is worth, so they’ll consider it a total loss. Texas law requires certain steps to be taken before the car is driven on the road again. Sep 20, 2023 · Yes, you can. It's possible that you may want to keep your car, even after your insurance company deems it a total loss. Both make it difficult to sell the car down the road. Mar 5, 2024 · When an insurance company totals your motorcycle, it means that the cost to repair the damages exceeds a certain percentage of the bike’s actual cash value (ACV). You’re involved in a crash, your insurer sends an adjuster to evaluate the damage, and he declares your Nissan a total loss. For example, New York State considers a car a total loss if the repairs total more than 75% of the vehicle’s current value. However, in instances where the car cannot be salvaged, your insurance Feb 21, 2019 · After an accident, you will probably need to take your vehicle to an auto body shop where technicians will look the vehicle over and check the car’s condition. As all of this is going on, you will need to continue making the payments on any existing car loan and keep up with the insurance payments. May 16, 2024 · Total loss car insurance is coverage that kicks in to help pay for the cost of replacing your car after it is totaled. But money expert Clark Howard says, when it comes to a totaled vehicle, your main focus should be on making sure you get paid what your car’s actually worth. receipts for repairs to the vehicle. Get Directions. In return, you provide the insurer with the car title. However, the amount of money you will get depends on the type of insurance coverage you have. For example, if your car was worth $10,000, it will consider the vehicle totaled if the cost of the repairs is at least $7,000. The ACV is how much your vehicle is worth after factoring in depreciation. Remove your license plates. Insurance companies assess a vehicle's value based on factors like its current condition, pre-accident value, and recent sales of similar cars. Have a question about insurance? Call the Texas Department of Insurance at 800-252-3439 or visit www. A total loss salvage motor vehicle is a motor vehicle: Which has been wrecked, destroyed, or damaged by collision, fire, water, or other occurrence to such an extent that the owner or, if the vehicle was insured, the insurer considers uneconomical to repair. An auto recycler tears it down and sells the usable parts for a profit. Apr 5, 2024 · How to negotiate with car insurance adjusters about car total loss. While laws vary from state to state, in most locations there is the option to keep your totaled car, but that doesn’t mean it’s the best decision. Your car insurance will cover a stolen car if you carry comprehensive insurance; you will have to pay the deductible. Keep the car and sell it. Missing the deadline could result in losing your right to sue the other driver for damages. Generally, it refers to full coverage policies, which include collision and Oct 17, 2023 · The most common amount is 70% to 75%. The insurance company will still write you a check for the vehicle, but it will be smaller because they will first subtract the vehicle’s scrap value from the check before they give it to you. A written off car can fall into one of four categories, so, depending on the category, you may be able to keep a written off car and get it back on the road again, as long as appropriate repairs are carried out. ”. Research the market value of your car. You’ll find our agents can build you a customized quote that is easy to understand and affordable. Some companies might total your car even if the cost to fix it is lower. Or if you would prefer to email us, then please visit our contact page. Bad Credit. May 2, 2019 · The first step in determining whether a car is totaled (or, in insurance terms, a total loss) is to calculate its actual cash value (ACV) at the time of the loss. Under this formula, a vehicle is totaled if the cost of repairs when added to the salvage value is equal to or more than the Generally, the first issue to deal with following a car accident is to deal with getting your car fixed. 401 Watt Avenue. Can I keep my totaled car? Yes, you have the option to keep your car. DMV or BMV employees determine whether your vehicle is safe Aug 19, 2020 · Once your car is declared a total loss, your first steps will be to: Remove any personal items. If your car's ACV is more than what you owe, you'll Aug 14, 2023 · A salvage title means that the vehicle has been damaged to the point where most insurance companies would consider it a total loss. Go to your local DMV and request an inspection for your total loss car. Following an offer by an insurance adjuster, you may send a reply that includes arguments and evidence for a higher estimate of the vehicle's value. g. It’s only worth filing a claim for hail damage if the hail caused major damage. When a car is totaled in Minnesota, the policyholder will receive the car's actual cash value from the insurance company if the loss is covered. So if it is determined that your car’s actual cash value was $4,500 and your deductible is $500, you should receive a check for $4,000. Some car insurance companies will total a vehicle if damages are at or above 51% its pre-accident value. Dec 18, 2023 · Your car is totaled if the cost to repair it is more than it’s worth. Cost Needed to Declare Total Loss. Total loss car insurance is harder to find, but it can be done. Advertisement. One possibility, if you really want to keep a vehicle that is deemed totaled, is challenging the insurance company’s decision to declare the vehicle a loss. Yes, you can keep your vehicle if an accident totals your car. Once the insurance company deems your vehicle totaled, they will pay you its ACV in the form of a check. Tell your company you want to keep it If your car is totaled after a fire, weather-related event, or collision with an animal, comprehensive car insurance coverage will pay you the value of your vehicle, minus any deductible. A total loss threshold is the percentage of the value it would take to repair the vehicle. Insurers will total your vehicle instead of repairing it when the cost of repairs exceeds its Jul 1, 2022 · A total loss is settled based upon the pre-loss fair market value of the damaged vehicle plus the state sales tax on the cost of a replacement vehicle. If you choose this path, you will need to present the insurance company with evidence that may include: 1. 4 days ago · If repairs meet or exceed this number, then your car insurance company can declare the vehicle a total loss at that point. Pretty much. If your car is damaged but repairable, the insurance company should provide a rental vehicle during the repair period. For example. To determine the vehicle’s value, and in accordance with any applicable state Apr 15, 2024 · You can keep your car if the insurance company totals it and your state allows you to keep it with a salvage title. 2 defines “claimant” as a first-party claimant, a third-party claimant, or both. A car is deemed totaled when repair costs are greater than or equal to the vehicle’s actual cash value. 27 Pennsylvania Bulletin 306131; Pa. Jun 4, 2024 · Key Highlights. Find your car's actual cash value and review the insurer's offer. If you have a loan or lease on your car, then you cannot choose to spend the insurance payout on something else and not repair the vehicle. The adjuster will determine if your car is in excellent, good, fair, or poor condition. They assess the extent of damage and calculate repair costs. Leave the keys (and charging cable, if it's an electric car) with the car. Insurance companies can ask for excess funds back after a claim if there is a term in your policy that specifies they can. Nov 23, 2021 · This salvage value is the amount the insurance company would have received for the totaled vehicle at auction. Car insurance companies may require proof that a Jun 23, 2024 · Totaled Car Guide: The Bottom Line. If it is more, they will declare your car a total loss and pay you the car’s value ($10,000) instead of fixing it. This article will explore what factors insurance companies consider when making this determination and how it can impact you as a motorcycle owner. However, the insurance company will deduct whatever money they would have gotten from a junkyard for the Explorer. texas. In fact, you’ll still owe $6,000 on it after you apply the $4,000 insurance After all, that is the entire point of insurance. For example, if a vehicle worth $10,000 needs repairs totaling $7,500, and it could be sold for $500 in salvage Mar 27, 2024 · Future Insurance Implications. Apr 1, 2024 · CONS: If your car has mechanical damage, it may not be safe to drive; you still have to deal with titling and insuring a salvaged vehicle. This can range from a few days to a couple of weeks. In some states, a car is considered totaled if the cost of repairs is more than a percentage of the car’s value, such as If you t hink the other person in a crash is at fault, you can file a claim with his or her insurance company or yours. When you owe more on a vehicle than it is worth, it's called an upside-down car loan, or negative equity. Coverage Changes : Comprehensive and collision coverage might be restricted. As discussed, property damage coverage is required in the amount of $10,000. Depending on the state and your insurance company, your car may even be totaled Apr 4, 2024 · Read on for answers to these and other questions. However, restoring a vehicle with a salvage title can be costly and time-consuming. If your insurance company determines your car is totaled, here’s what happens next: Your claims adjuster will want to get your vehicle moved to a fee-free storage facility. You’ll have to replace your title with either a salvage title or, once it’s fixed, a reconstructed title. Other insurers will total at 80%. California total loss laws are contained in California Vehicle Code § 544 and § 11515. If your vehicle has been totaled the insurance will declare your vehicle a total loss salvage. 4. Feb 2, 2021 · However, if you want to refurbish your own, you can keep the costs as low as possible. If the damages to your vehicle exceed the value of the vehicle, or your state has a percentage of the total actual cash value used to determine if a vehicle is a total loss (in my state of Florida, this would be 80% of the actual cash value of the total property damage claim, and would be a different amount in other states), the insurance Once you've agreed on a total loss settlement, the insurance company will pay out your car's ACV and you'll transfer the title to the insurer. 3 (E) (4). Your insurance company will make that determination. The basic formula to get your car’s actual cash value is: ACV = Original purchase amount - Depreciation. If you use your company, you must pay your deductible. Unfortunately, you still owe $15,000 on a May 18, 2024 · Rental Vehicle Entitlement: In Texas, if your car is totaled, you are generally not entitled to a rental vehicle. If the damage is minor, it’s not worth filing a claim because the repair costs likely won’t exceed the . Once your vehicle is considered totaled, insurance will pay you Aug 31, 2023 · Whether your insurance company declares your car totaled depends on where you live. However, the other insurance company has the right to investigate the accident facts and accept or deny responsibility. If your vehicle’s ACV before getting totaled was $15,000, and the current salvage value of the vehicle is $3,000, the insurance company will give you a $12,000 check along with your totaled vehicle. You should get the deductible back from the other Dec 14, 2021 · Insurance companies will typically “total” a vehicle if the cost to repair it is more than the car’s value. If the cost to repair the car is about the same or more than the value of your car, the insurance company will likely consider it totaled. An insurance adjuster will determine Learn what it means if your car is totaled, and how insurance can help if your vehicle is deemed a total loss. But your insurer says that the vehicle is only worth $2,000. Jun 14, 2024 · You can buy your car from your insurance provider after it has been written off. It uses a hypothetical car with a fair market value Jul 19, 2021 · If the cost of repairing your vehicle exceeds a certain percentage of your car’s value before the accident, insurance companies will declare it a “total loss. This is usually referred to as salvage value and it tends to run about 20% of the Apr 22, 2011 · Typically cars are totaled when damage exceeds 65 or 70% of the vehicle's market value. On average, vehicles depreciate more than 20 percent the first year and approximately 10 percent each Jul 9, 2024 · Report your stolen car to the police immediately and then notify your insurer, lender and the DMV. You’ll also need to inform the DVLA (Driver and Vehicle Licensing Agency) if your car is a write off. “Total loss formula” (TLF): The TLF is a comparison of the vehicle’s actual cash value to the sum of its repair costs and salvage value (how much it would sell for in its current condition). The best way Apr 8, 2021 · Key takeaways. Ask your insurance agent when you will receive your Feb 26, 2023 · So, to keep with the example above, let’s say your car was valued at $12,000. 00. Pre-accident value – The adjuster determines your car’s pre-accident value, often called Actual Cash Value (ACV), by Mar 31, 2021 · Fair Credit. A vehicle is generally considered a total loss when the repair cost exceeds its Feb 9, 2024 · Suppose you have an accident, and your car’s value is $10,000. pictures of the vehicle before and after Jul 7, 2022 · First, the report may be important evidence when an individual files a claim with their automobile insurance company. During the evaluation period – The insurance company covers a rental car during the time it takes to assess your totaled car’s value and process the settlement offer. Totaled cars aren’t permitted on the road since driving them can be dangerous. Once a car is totaled, the state will give it a salvage title, meaning that it cannot be driven legally unless the owner has it repaired, inspected, and reinsured. If it is less, they will pay for the repairs. If your deductible was $500 and the vehicle’s salvage value was determined to be $2,500, then a total of $3,000 ($500 + $2,500) will be deducted from your appraised value. For example, if your car was worth around $2,000 before an accident or structural damage, and the insurance company's estimate for repairs is over this number, the answer to ‘can you fix a totaled car’ is NO in this instance. Speak with an experienced car accident attorney from The Barnes Firm today about your injuries at (800) 800-0000. Determining the Value of Your Car If you want to keep Jun 27, 2022 · The company is required to notify the state that your car is a total loss, and you kept the car. May 20, 2024 · If you are paying off a loan on a totaled vehicle, gap insurance covers the difference between your vehicle’s actual cash value and the balance you owe to your lender. These codes direct individuals and insurance companies on how to handle damaged cars. If you live in Texas, the same car would only be a total loss if the cost to fix it is at least 100% of its value. Jul 16, 2024 · If not, you'll be stuck paying the remaining debt. 00 in its present condition. May 30, 2024 · After being wrecked in an accident, your insurer estimates it would cost $16,000 to repair. That $4,000 won’t be going into your fund to buy a new car because you’re still financing the vehicle that was totaled. Your insurance company will generally declare your car a total loss if the cost to repair it exceeds a certain percentage of the car’s value. Feb 19, 2019 · If your vehicle is totaled and your deductible is $1,000, the insurance company will pay you $4,000 for your totaled vehicle. Totaling a vehicle means it will cost more to repair it than what it’s worth. Jan 31, 2024 · Total loss is determined based on the cost of repairs as a percentage of the ACV of the vehicle. Several potential issues can arise when a car is totaled and you are not at fault. For example, an insurer's value estimate of the wrecked vehicle may seem too low. If an insurer totals your car, you can Keeping Your Totaled Car. If your car is not recovered within 30 days, the insurance company will declare it a total loss and pay you its actual cash value. However, if you were financing Dec 1, 2022 · A. gov. You must then file a salvage certification at a DMV. If the car sells for $500 or less, you can deduct either $500 or the fair market value of the car, whichever is Oct 3, 2022 · Bottom line. It is important to note, however, that police reports may only May 6, 2024 · Please let us know if you notice any differences. In other states, the threshold may be as low as 60% or as high as 100%. Mar 1, 2024 · Keeping insurance claim money is not fraud if you own the car and the insurer sends the claim check to you instead of sending it to your repair shop. It may be best to hire a Dec 18, 2023 · You can insure a vehicle that's been declared a total loss. If you financed your totaled car, the insurer will pay your lender first. Most lenders would want you to use the money for repairs May 23, 2024 · Duration of rental car coverage. 2. 00 on your loan. When a vehicle is deemed a "total loss," the Other insurance companies consider a vehicle totaled based on the percentage of the vehicle’s worth—usually 70% or more. Or, if you have an “actual cash value” policy, the money you get may be based on the age of your car. The carrier can take around 30 days to pay the claim and pay off the lien on a totaled car. Will GEICO pay for your rental? How long can you keep it? GEICO will pay for a rental if you have rental reimbursement coverage or other applicable coverage. Some insurers may even consider a car totaled if the repair costs fall below the car’s ACV by 20% to 30%. You can dry a car completely and still have musty odors, silt in the seats and carpets, and electrical issues. When the car insurance company takes a totaled car, they sell it at auction. Last updated: Apr 5, 2024 10 min read. For more information, call our law office at (617)-391-9001. The company will subtract the car’s salvage value from the amount it was planning to pay you. Of course, you could sell your Aug 1, 2021 · In general, water that goes past the floorboards — into the areas where electronics begin — will mean the car could be determined a total loss. After a collision, your auto insurance company sends an adjuster to calculate Apr 19, 2021 · Once the insurance company decides your car is a total loss, they should issue you a check for the actual cash value of the vehicle minus your deductible. If your vehicle is totaled and you still owe money, insurance should cover the car’s actual cash value, first paid to the lien holder, with you pocketing any remainder. Your policy will be cancelled soon after your car has been written off. If you have comprehensive insurance coverage, your auto insurance will pay for hail damage. It often happens with a small down payment or a long loan length. You can’t drive a total loss car unless you have a salvage title and auto insurance. , 80%) of the vehicle’s value. Some states use the total loss formula which also takes into account the salvage value of the Jul 10, 2023 · A car is totaled when the cost to repair the damage using your collision insurance exceeds its market value, called the " t otal loss threshold". Option 1: You take the ACV check of 1000 and the insurance takes your car and you call it a day and have no car. These clauses are not common with most types of insurance, and you can May 3, 2024 · If your car is totaled, its insurance provider is typically required to reimburse its actual cash value (commonly known as its book value). It is unlikely that you will get a refund on your premiums after your insurance has been cancelled. Insurance. The insurer estimates they could recoup the salvage value by selling the damaged vehicle or its parts. The total number of rental days is based on the circumstances of your claim. The steps above should give you a general idea of the total loss process. When you've been involved in an accident that has damaged your vehicle, the insurance company will assess the damages to decide if it's worth repairing. In some states, a vehicle may be considered a total loss if the repair cost exceeds 75% of its actual cash value (ACV). Rick Ward, director of auto claims for MetLife Auto & Home, says the standard for deciding when a car is a Dec 27, 2020 · There are deadlines for filing car accident claims. The insurance company will check if the repair cost is more or less than $8,000 (80% of $10,000). For example Mar 21, 2019 · However, that is not necessarily true. For example, if a car is worth $10,000 and the repair cost is estimated at $8,000, it is considered a total loss. And in some cases, your insurer may allow you to keep the totaled car. The car also may be issued a salvage title, which could make it harder to insure or sell later. Your insurer will then use a total loss formula, or TLF. Schedule Your FreeConsultation Today. In most states, the total loss threshold is between 70% and 75% of the car's actual cash value. All fields are required. May 15, 2024 · The insurance company will look at the value of your car vs. In some cases, it’s possible to keep your car after it’s been totaled. Settlement acceptance – The rental coverage usually stops once you accept the settlement. In some states like Alabama, a car becomes a total loss if the repair cost is more than 75% of the value. the cost to repair it. May 24, 2024 · Key steps in settling a total loss claim. And it becomes an issue when your totaled car is worth less than the loan amount you still owe. You can ask the insurance company what source it Jun 22, 2022 · When assessing the value of your car, the adjuster and the insurer will do the following: Evaluate the condition of the car prior to the accident. No Credit. It is not worth keeping a totaled car in most cases, since the cost of having it repaired typically outweighs any potential benefits. Usually, a totaled car goes to a salvage yard, but you can choose to keep your vehicle. This would leave you with a totaled vehicle and a check for $9,000 ($12,000 – $3,000). Please note that your case may differ. If fault is against the other car, then you should be able to get the car fixed through the other person's insurance. What to know. So if the loss threshold percentage is 70%, a car will be considered totaled if a car worth $10,000 has damages that will cost more than $7,000 to repair. They will probably ask you for any keys to the vehicle and will have you remove all personal items within. We'll get back to you within 24 hours. This means that if it costs $7,500 to repair a vehicle worth $10,000, the car is a total loss. After your car has a salvage title, you essentially have three options: You could keep and fix the car. However, there are important steps you need to take before you can legally drive a totaled car on the road. Many insurers will allow you to “buy back” a vehicle they have totaled out if you wish to repair it and make it roadworthy again. Oct 1, 2022 · In Louisiana, an insurance company has the right to deem your car a "total loss" if the cost to fix the damage is seventy-five percent or more of the vehicle's market value as determined by the most current National Automobile Dealers Association Handbook. You may also be able to get the car fixed or totaled out through your own insurance, if you Apr 19, 2021 · In most cases, yes. If they decide it's totaled, it means that May 26, 2021 · Once these two numbers are available, state law usually will determine at what point the vehicle is considered totaled, otherwise called the total-loss threshold. Nothing in the law requires you to turn over your vehicle to the insurance company. If the cost of repair exceeds the value of your car, then your car will definitely be declared a total loss. If a $10,000 car has $8,000 worth of damage, then that equals 80%. Option 2: You decide you want to do the buyback option, insurance will cut you a check for $400 (ACV minus salvage value) and you keep the car which now has a salvage title. Jul 29, 2023 · In many cases, you can keep your totaled car if you wish. tdi. *️⃣ Keep in mind that a car with a salvage title is worth less and Jun 18, 2024 · The table below shows an example of how much you could owe if your car is totaled and you are underwater by the average amount of $6,046 owed. If you’re planning to get a new car, avoid letting your policy lapse—a break in coverage could lead to higher prices when you reinstate your insurance. Before you start shopping for car insurance, you’ll need to show your salvage title to your local DMV or BMV. Consider deleting or removing any personal data stored in your car's navigation, phone, and infotainment systems. MONEYGEEK EXPERT TIP. Code § 146. If you have a “replacement cost” policy, you may get paid what your car is worth at today’s cost. In most states, including Louisiana and Alabama, the threshold is 75%. Sacramento, CA 95864. Jul 6, 2020 · Once the claims process is over and you’re ready with that new vehicle, be sure to reach out to an Illinois Vehicle Auto Insurance agent at 888-449-0170 to get a quote on your new ride. Sep 4, 2021 · Generally, when a car is totaled, it means the cost of repairing it exceeds the market value of the car. Assessment and inspection – An insurance adjuster examines your damaged car to determine if it’s a total loss. The law aims to restore you to your pre-accident position. Mar 13, 2023 · If your car gets totaled in a covered accident, you will receive money to buy a new one. When your car is considered a total loss but remains drivable, it’s crucial to understand the insurance repercussions. Jan 26, 2024 · When you donate a totaled car to charity, you can often claim it on your tax return. Let’s also say that you still owe $5,000. Apr 11, 2022 · If an insurance company totals a car, they buy it from you, but if you want to keep the car, sometimes you can buy it back from the insurance company. Comprehensive can also pay you the vehicle's value, minus your car insurance deductible , if your car is stolen and then recovered but too badly damaged to May 3, 2024 · The percentage of damage that totals a car varies by state and insurer. Jan 31, 2024 · Even if your car is declared a total loss, you should keep your insurance until your insurer finishes processing your claim. After your car is off-road, you can get a road tax refund for any remaining months left of Sep 1, 2022 · It depends on your policy. Each insurance company has the discretion to choose what percentage they consider for their Sep 10, 2023 · Yes, your insurance company can declare your vehicle a total loss after an accident. You can dispute a total loss settlement, but you’ll need lots of evidence to back up your dispute. If you want to keep a totaled car, however, you typically have to pay the insurer the money they would've gotten from salvaging it. The bank gets a check for $2,000. Negotiation can be more effective with evidence of your car's worth, and if necessary, getting a second opinion or legal advice can help secure a fair settlement. Aug 2, 2023 · Potential Issues. However, the insurance company will deduct the salvage value from your settlement amount. However, you will have to pay the deductible. When a vehicle is considered a total loss can vary per state. A totaled car is a vehicle that’s been determined to be a total loss after an accident. com explains that Oct 17, 2023 · Whether you’re concerned about the implications of driving a totaled vehicle, negotiating with insurance, or deciphering value assessments, this article will equip you with actionable knowledge for a smoother path forward. (Louisiana Revised Statute 32:702). Insurance premiums generally increase after a car is declared totaled, as you’re now seen as a higher risk. After you have filed your insurance claim, your i nsurance carrier calculates the vehicle’s actual cash value immediately before the crash and compares it to an estimate of the amount of damage to May 20, 2024 · Generally, you can’t insure a totaled vehicle as it is no longer roadworthy. Code § 62. Insurance companies actually declare cars a total loss based on the value of the car and the cost to repair damages. 00, and you still owe the remaining Mar 7, 2023 · Once a car is deemed a total loss, the insurance company will cut you a check for the car's ACV. Get 3rd party appraisals of your car. ok pn gf ps mw us cq jy rq yw