Book value of 32k? That 32k is for a clean titled car, the salvage you bought is worth 40% of that, the insurance company tells you this. Why you'd ever pay more for a vehicle than its payout from insurance I have no idea.
i would never advise someone to obtain a "clean" title for "insurance purposes." in pennsylvania, that act would be considered INSURANCE FRAUD - a first degree felony in this state. AND, if the insurance company discovered that had been done, that would be just cause for the insurance company to NOT pay ANYTHING under the policy under the "false swearing" or "lying on the policy details" exceptions within the policy. so at the very least, the owner of the "washed title" vehicle would not get a penny if something happened to the vehicle and at the worst - the owner would be prosecuted for INSURANCE FRAUD. my advice to EVERYONE reading this - DO NOT ATTEMPT TO DO THIS!!