Some states have NO way to bring the vehicle back. I am a Pa tower and Inspection Mechanic. When I have a customer who has there car totaled and they want to keep it I advise against it unless it is BS like hail damage then I tell them to ask the adjuster to lower the est and give them a check for the repair cost with a promise not to come back for extras. I hear stories of near a $1000 for the cost to retitle a car not counting repairs then you better plan on keeping it because the value is cut by at least 1/3. and the ins will not give you any money on a total that you buy back until you produce a salvage cert which could take weeks.
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