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You need to get an agreed figure from the carrier and the shop to make any decision. Some state laws total cars once the estimate is at a certain percentage of the value. Some strictly look at the dollars of damage, the dollar value of the salvage, and the market value of the car prior to the loss. If you retain the car (not the same as buying it back) the title never changes hands and there is no salvage title. There will very likely be a record on the VIN history of the loss. Some carriers will pay you to use a family member's car, some won't. Be sure and review the data behind the total loss value to know its comparable to what you had.
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