If you buy back the car from the insurance it will come with a salvage title. This means your resale will never beteh same. There is a chance that it could be repaired w/o having to total it or if they give you an estimate minus your deduction of course and you take the cash and get it fixed yourself. If you were in North TX I could get you some definate info, but as for buying it back from the insurance company see my subject line.