If your car is considered totaled by the adjuster how much would you receive does the pay out also exclude any deductibles and will they still let you keep your car?

yes, in a total loss situation you will receive actual cash value less any deductible and the insurance co takes the car.If you wish to buy the vehicle than you should ask the insurance co what is the salvage value.If you like the value than you can buy the car and the insurance co will deduct that amount from the agreed total.you will have to change the title from regular to salvage.You than get the car fixed and get the mvd to inspect the car and get the title changed to salvage/restored.Now you can use the car just like any other car.