If the car is considered totalled, that means the repairs to fix it are more then the value of the vehicle. The insurance company then pays you the current full value of the vehicle at the time of the loss. They retain the rights to the vehicle to recoup from the pay out to you. You do have the option to buy the vehicle back from them , but as they said it will be as a salvaged title. Vehicles with salvage titles are difficult to insure. Before you purchase the vehicle back , you may wish to check around to see who may be able to insure a salvage vehicle.

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