When a vehicle is totaled what are the insurance companies required to reimburse your loss?

depending on a few things.

was it your fault?

if yes if you have full coverage they must reimburse you and theres a good chance that your premium will go up

if the other guy is At Fault and has full coverage or liability then the other insurance company will pay out

was there a police report?

if yes get a copy and see what the officer wrote

is it in your favor?

then get a copy from the local pct. submit it to the ins co and you will have your check in days

after they have it inspected by an adjuster

call the pct for hours and ask how much the money order must be in order to get a copy of the police report