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Retaining a Total Loss Vehicle

You, as the owner of the vehicle, have the right to purchase your vehicle back from the insurance company after they have determined it to be a total loss.  Buying a vehicle back enables you to keep your car and have it repaired even though it is officially a total.  This makes sense to some customers who might have an older car that they like and trust but was deemed a total due to its age or mileage.  In most cases, buying your car back will change the type of title that you currently have.  It’s important to discuss the title with your insurance company before you make any decisions.