I've heard that if they claim it totaled then I have the option of buying it back right then and there. They never actually take my car, it always stays in my possession.

Also I heard if they total it and give me the value of the car they will sell it back very cheap!

But also in my research in the past few days I've heard that the insurance company will always go with whats cheaper and that would be to pay for it to be fixed. They usually only total a car if the damage cost to fix it is more then the value of the cars current blue book rate.

Either way I have too much done to the car to not buy it back if they do claim it totaled.