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I had to check wtih my sister who is an insurance agent on this one. Her response is below.
No, you can opt to keep the car and have the repairs made to the vehicle yourself, however, the insurance company would require that DMV issued a salvage title. This would be so that if the vehicle was sold in the future, the purchaser wouldknow that the vehicle was at one time damaged over 75% of the market value for that vehicle. Once a vehicle is declared a total loss, you also cannot have physical damage coverage on that vehicle.