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Not really. However, what you can do is ask the insurance company if they will allow you retain the vehicle after the settlement. If they allow you to do that, you can get the total loss settlement (minus the salvage value of the vehicle) and you get to keep the vehicle.

It's not that simple though. First of all, if you have a lien holder, they would have to sign off on letting you do that and if you owe more than the car is worth, don't count on that happening. Secondly, do the math and figure out if keeping the vehicle is worth it. If after deducting the salvage value, you receive $5,000 and there are $4,000 worth of damages to the vehicle and the insurance company is declaring it a total loss, it might be worth it to retain the vehicle and pay to fix it. However, if the damages are over $10,000 and your settlement is going to only be $5,000, it's not worth it.

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Q: Can you tell the insurance not to write off the car to avoid taking out a new car note?
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