When the insurance guy comes to look at your car and tells you it's probably going to be a totalled car ask if you can have it not totalled. Like just take a certain percentage they told me 80% of the money they'd give me if they totalled it but he ended up only giving me 75%. So if your cars totalled and he's going to give you $100 instead of giving you a totalled title blah blah he'll just give you cash $75 and thats it you keep your car clean title.