Do I have the right to choose whether or not my vehicle is a total loss?

  What if my insurance company determines that my car is a “total loss”?

  What should I do after an accident or when I have to file a claim?

  What happens if there is a lapse in my coverage?

  Will I receive a notice after my policy has been cancelled or nonrenewed?

  Can my insurance company cancel my policy or late payment?

  My car is several years old and has been paid off. Is physical damage coverage still useful?

  What is the difference between a nonrenewal and a cancellation?

  Do I have to use a specific repair shop?