It wasn't my insurance, it was always the other party. I have no idea what my own insurance would do. I seldom get comprehensive insurance. If it's an older vehicle, or a collectible, that's all they can do. I've seen it happen a couple of times. One was an early Z-28, that was bought cheap and had a ton of improvement. They did come around eventually, after looking at the car. It took a long time and a lot of arguing. And I've seen the payoff on one of mine matched the title amount exactly, which is more than what it was worth, and they let me keep it. I put a door and a fender on it, and kept driving it. The repair estimates were higher than the title purchase amount.