Once a car is totaled it is gone. Usually the insurance company takes the car for them to sell and get some extra money and if it is claimed as a totaled vehicle I would not recommend driving it on the street where you can hurt yourself or someone else.
An insurance company declares a vehicle totaled when the cost to fix the vehicle exceeds 70% or more of its market value.
I was most relieved to find out that my insurance company agreed with my statement that it had been totaled. I came out ahead when my expenses were totaled up.
I totaled my Mustang and was able to buy it back from the insurance company. They gave me the Blue-Book value less my $500 deductable. They would not insure it after I repaired it, I had to switch insurance carriers to get coverage.
The insurance company will pay the finance company not you.
The insurance company. They have in theory bought the car or what was left of it.
When a vehicle covered by insurance gets wrecked, the insurance company looks at how much it will cost to repair. If repairing the bike costs more than it is worth, then the insurance company declares it totaled and pays for a replacement.
It would depend on why the car was totaled and who's fault the accident was and what time of insurance do you have PLPD or Full Coverage
The insurance company will make you an offer.
No, simply because there is nothing to be insured any more, your car is gone.
The insurance company will pay you the worth of your car minus your deductible.