You are somewhat right. Usually, after the insurance pays off, if the value is close to the payoff, the insurance company takes the title and as a replacement you get a salvage title. You then repair the vehicle and have it inspected by the state and show all your receipts for repair parts and if you are lucky, you get a rebuilt title and then can license the vehicle. The problem is, some older cars, parts are so expensive, that it don't take much damage to produce a total. Some cars if the airbags deploy, they are so expensive that alone can cost as much as the car is worth to replace. I have seen minor damage total a vehicle due to the price of parts and labor.
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Today's Featured Article - What Oil Should I Use? - by Francis Robinson. I keep seein this question pop up over and over again in discussion groups all over the web. As with many things there are often several right answers and a few wrong ones. Some purist I'm sure will disagree to no end with what I will tell you but most of us out here in the real world don't really care do we ? Some of them only bring their noses down out of the air long enough to look down them anyway. If you are like me you are only doing this old tractor stuff because you enjoy it. You
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