In some cases, the insurance company may require the insured to give them the car, but this is not always the case. If the insurance company does require the insured to give them the car, they will typically provide the insured with the salvage value of the car.
If you are in this situation, it is important to review the terms and conditions of your insurance policy to determine your rights and obligations. You may also want to speak with an attorney to discuss your options.