[QUOTE=StaggerLee;2291604]

I'll definitely buy it back from the insurance Company.... [QUOTE]

You don't have to "buy it back" from the insurance company, the title is in your name and the car is yours,--you tell them what it is going to take to settle the claim and let them know you are keeping the car. They cannot force you to give up your car and you can refuse to settle with them until they come up with the right amount of money. No matter what they say, the car is yours and you have the right do do with it what you wish, the insurance company simply has the obligation to reimburse you for the value you have lost.