5/26    Car Insurance question: If an insured car is damanaged beyond what
        they claim is the value of the car and they want to pay you off
        for the car value instead of repair cost, do you always have the
        option to settle for a lesser cash amount but keep the car?  Like if
        the damage is cosmetic and expensive to fix but the car is drivable
        and you dont mind getting it fixed on the cheap or leaving some
        cosmetic damage?
        \_ What you can do is allow them to pay off the car as if it
           were totalled and then offer to buy it back from them. They
           will usually sell it back to you for something like $500.
           \_ Yes, but the car will have a salvage title. This is OK if
              you aren't going to sell it, though.