What Is The Law Behind Keeping A Totaled Car? 
Many insurance companies will allow you to buy back a vehicle which they have declared to be a total loss . The key is to let the insurance company know immediately that you want to retain the car regardless of their decision on repairs . Once the car has been determined to be totaled it will be sent to a salvage yard and off to auction or dismantle . Once it is in that system it is difficult to retrieve the car , so let the insurance company know immediately that you want to keep the car . The insurance company will then adjust the settlement to include the value of the car in its current condition . 