If you own the car and the insurance company decides the car is totaled do you still keep the car?

If you own the car and the insurance company decides the car is totaled do you still keep the car?
No, however, they usually will offer a "buyback" price, if you want to buy it back. Once they total, and pay for it, it is their property. This is assuming this is a full coverage issue, where they would have to fix the car. If it is a liability only issue, in other words, they have to pay for damage you caused to someone else, but not for your car, then you retain ownership.