The car is not paid off which is why I really want it to be totaled. It would then be totally paid off and I could pay to fix it and keep it long term on a salvage title for far less than I owe. I understand the value of the car will be low at this point but it will be paid off and I can drive it for many years. The worst case is that they just fix it because then I will have a car with a diminished value AND I still have to pay it off as if nothing happened.2. if your car is paid off and you want to just pocket the money, it will not be financially worth it as the value of your car will be reduced by even more.