With USAA - they totaled our vehicle, wrote a check.. We kept said vehicle, had to put a salvage title on it, and dropped the insurance to liability only. They are only going to pay out on a vehicle once.
Oddly enough though, if you switch companies, you can probably put full coverage on it again. I had a truck I switched to USAA with a previous salvage title, and they let me do full coverage on it.




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