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It's called a contract repair. Once repairs exceed a certain percentage of actual cash value, the insurance company by law has to total the car. Even if you buy it back, it will have a branded title and you will probably have to go through inspection to register it. In a contract repair you agree to accept an amount less that the amount that would trigger the insurance company's obligation to total it. You are then responsible for repairing it and any additional damages located are your problem. The HUGE advantage to this is you keep your car WITHOUT a branded title.
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