[HeadlessNorseman]

Yes, if they send you a check for repair they are paying you for your loss, you still 100% own the car either way. Even if they do "total" the car, they might just let you keep it. And in that case, you still own the car. But i do believe once it is totalled it is impossible or difficult to file any more insurance claims against the same car. And just for future reference, if someone sends you a check with your name printed on it, it is perfectly legal to do whatever you want with it