Insurance Totaled My Car Can I Keep It? 
Great question ! Like David said , you can agree to keep the car , I did once , as the insurance companies idea of totaled did n'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 ! 