After they give you a check for the value of the car (less your deductible), it is their car. If you want to keep it and repair it yourself, you can buy it back for the "residual value". You can negotiate this value with the adjustor. One caution: If you keep the car you may also have to pay some storage charges to the repair shop that is holding it, especially if you do not have them make the repairs.
Only if the insurance company believes it was your mom driving at the time.
The insurance company will usually retain the vehicle. You may be able to purchase it from them, call and ask.
Normally yes. Some companies may require proof that you have repaired the car and it is road-worthy.
In most cases, you can get it fixed yourself. When the insurance company totals out a car, that is all they themselves are willing to pay. If you want to pay to have it fixed yourself, most won't care, but your rates may still change depending on the circumstances of the accident.
If you have not settled with the insurance company you will have to take it back. If the insurance has paid out it is their car.
Totaled means that the cost to repair it is more than what its worth...they will most likely give you something below KBB ...
Ask the insurance company or your insurance agent.
The repo man will not care if your car has insurance or not. If you haven't been paying for your car, the finance company or bank will take their car back.
Not in Canada.
The insurance company will take care of your damage,
You are not required to purchase insurance from a rental car company. However you are required by law to have insurance. If you have your own insurance call your insurance company and ask what they cover for rental cars, then once you get to the rental car company ask them what their insurance covers, then use which ever one you feel is best for you. If you do not have personal insurance, I would definitely take out the rental cars insurance.