how can a damaged fender be considered as totalled? Did you take the car to a body shop or did the insurance send an adjuster to inspect the car at your house? I would advise getting several opinions around shops? If it ends up being salvaged, then it's gonna be a problem. Some insurance don't even cover salvaged rebuilt cars, and if they do: they might even raise the rates on payment due to higher risks....Find someone to clear the title, I heard this was possible.