Then their insurance cuts you a check for the Bluebook value of your car. Also, some of them also offer rental coverage until the car is replaced (but obviously not for several weeks)
Yes, insurance can refuse to take your car when they claim a total loss on it. They would just have to take it to a junkyard from there anyway.
In the event of a insured total loss, the insurance compnay, not you, has the rights to the parts. This is called salvage rights.
you can ask but you probably will not get the answer you want.
The insurance company.
No. That would still be your responsibility.
Yes. Its called the gap. Get Gap insurance.
GAP insurance pays the value of the car minus liens applied to it and only pays in the event of a total loss. If you can get coverage that covers damage (as well as total loss), this would be better. If your liens are substantial in relation to the value of the car, then GAP insurance is not worth it.
Yes unless your insurance covers it.
Usually if the car is a total loss, the insurance company will pay you and take the car. They then sell it for parts/salvage. If they let you keep the car, all you have to do is check on the current status of your policy and see if it is listed.