This Is A Heartbreaker....

mopowers said

Is that how it works with classic car insurance?? I always figured if the insurance pays out the agreed upon value, the insurance company would assume ownership of whatever's left of the car. That'd be cool if he got to keep it AND get the total agreed upon value.

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That's how it works with Hagerty. If the car is totaled, they give you the agreed upon amount and you keep the car, because they want to see it back on the road and insured with them, or used as parts to fix up another one and be insured with them. If that ain't good business, I don't know what is.