I'm trying to help a friend understand his insurance issue. Hopefully someone here can help me. My friend's car is "worth" $2500 as far as his insurance company is concerned. The car was vandalized to the tune of a $2000 paint job and body work. The insurance company says it is a total loss, therefore the should give him $2500 for the car right? He should be able to "purchase" the vehicle from the insurance company at salvage value, roughly 20% right? that's $500 for his car. so he would recieve a check from the insurance company for $2000. (minus a deductible too maybe?) Also, the car is free and clear, so he has posession of the title, so it would remain clear right?