What happens when a car is totaled before the title is transferred?

It sits in a towing impound lot for 20 dollars per day awaiting an insurance "adjuster" to review so he can knock 20% off it's fair market value. Once the vehicle is delivered to a salvage yard, the title transfers if clear. Otherwise the insurance check goes to the lienholder, which is required to cash and send the difference ( equity, if any ) to you, or bill you if you owe more than it's worth. Owners also have right to view, photograph and retrieve "un-attached" personal items. You cannot take anything from the vehicle that requires a tool to remove. You can take your radar detector & GPS, but not your stereo, wheels or speakers. You may not remove the battery, tires, filters, brake pads, nor anything which would have 'disabled' the vehicle from operation before the accident ( not even light bulbs or wiper blades )..