If you opt to keep and repair the car yourself,the title will be marked as totalled or whatever. That's not the end of the world. Most stated have special inspections after you make repairs,so you can put it back on the road. Yes the title will be marked as repaired or whatever,so it can never be sold as a cherry original. I happen to be driving a totalled car for several years now,it's really not a big deal. Hank