Most insurance companies advise that you should not remove a total loss vehicle from your insurance policy until you are no longer using a rental vehicle and your damaged vehicle is no longer registered in your name. The vehicle is usually no longer is your name at the end of the insurance settlement process when you sign over the title to the insurance company and receive your check for the actual cash value (ACV) of the vehicle.

In many states, an insurance company will be able to remove the vehicle from your policy retroactive to the accident date when you are ready to take it off of your policy. You should discuss with your insurance provider at what point they would advise you to remove your coverages from the totaled vehicle and if they can make the cancellation retroactive or not.

If you have more questions about your total loss vehicle or claims procedures you can speak with the insurance adjuster working your claim or try contacting the consumer division of the Hawaii Insurance Department, the insurance regulator for your state.