1. 15645 POINTS
    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    If your car is totaled, and the insurance company releases it to you, you can keep the vehicle. However, many times, after you receive the settlement check, the insurer takes possession of the vehicle and then they have the right to sell or do whatever they want wit that vehicle. That is, the choice is not yours any more.
    Answered on May 25, 2013
  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California

    As a part of the settlement of your claim, you can request to keep your car.  The company will probably reduce the amount that they will pay you but you would then have the car.  If the car is repaired and passes your state inspections it would be given a “salvaged” title.  Many insurance companies will not provide comprehensive or collision coverage for a car with this “impaired” title, however liability insurance should be readily available.
    Answered on April 24, 2014
  3. 21750 POINTS
    Jim Winkler
    CEO/Owner, Winkler Financial Group, Houston, Texas
    Great question! Like David said, you can agree to keep the car, I did once, as the insurance companies idea of totaled didn't match mine. I had the car repaired for less than what they had paid me in the settlement, and I drove it for many years afterwards. That said, I'm not sure that today's cars are built as sturdily as they were in "the good old days" of my youth. Thanks for asking!
    Answered on April 25, 2014
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