*"...This does NOT mean you will lose the vehicle. You will sign a
> release paper with the insurance company that allows them to total the
> vehicle and they will send you the money at their value. Then you will
agree
> to KEEP the vehicle and not send it to any recycler or whatever. By
keeping
> the vehicle you will agree that this vehicle is totaled and you CAN NEVER
> FILE ANY CLAIM against this vehicle for the remainder of the life of the
> vehicle. This means that you cannot ever get collision or comprehensive
> insurance on this vehicle..."

*This probably depends on your state and the insurance company's policies.
I have had 3 vehicles totalled in California.  they were all declared as
salvage, but I was offered the option of full-coverage despite that.  Since
they were only "ordinary" vehicles, I just put liability on them.  That was
with 21st Century.

What a nightmare!  Which insurance company are you using?

Patti