You are somewhat right. Usually, after the insurance pays off, if the value is close to the payoff, the insurance company takes the title and as a replacement you get a salvage title. You then repair the vehicle and have it inspected by the state and show all your receipts for repair parts and if you are lucky, you get a rebuilt title and then can license the vehicle. The problem is, some older cars, parts are so expensive, that it don't take much damage to produce a total. Some cars if the airbags deploy, they are so expensive that alone can cost as much as the car is worth to replace. I have seen minor damage total a vehicle due to the price of parts and labor.
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Today's Featured Article - A Lifetime of Farm Machinery - by Joe Michaels. I am a mechanical engineer by profession, specializing in powerplant work. I worked as a machinist and engine erector, with time spent overseas. I have always had a love for machinery, and an appreciation for farming and farm machinery. I was born and raised in Brooklyn, New York. Not a place one would associate with farms or farm machinery. I credit my parents for instilling a lot of good values, a respect for learning, a knowledge of various skills and a little knowledge of farming in me, amo
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