<prompt> Human: I just went to get my vehicle assessed for damages after my car was hit. My car is old and the assessor said that the insurance company wont pay to fix my car because its over the total worth of my vehicle at this point. Instead, he is going to write me a check for the cost of my vehicle.What repercussions does this have for me in the future? My car is in great working condition but has a dent. I am sure I can get one or two more years out of it at least. If my car is hit again in the future, does this mean I will get absolutely no payment for the vehicle and will have to dump it if its not drivable? What about selling the car?Assistant: Sorry I should have mentioned that I live in NJ and was told the title does not need to be marked Salvaged. Im sure this changes a lot of these responses.  <response>: The insurance company has totaled it, so yes, its either getting a salvage title or going to the scrapyard. You should just take the check and buy another comparable vehicle. Or buy the car back from them at a discount and deal with the headaches that come with a salvage title. 