It is unlikely that the insurance company would total a car and then repair it. If a car is totaled, it means that the cost to repair it exceeds its actual cash value. In this case, the insurance company would typically declare the car a total loss and pay the owner the actual cash value of the vehicle. The insurance company would then take possession of the car and dispose of it as salvage.
If a car is voluntarily repossessed, it means that the owner has surrendered the car to the lender because they can no longer make the payments. In this case, the lender would take possession of the car and sell it at auction to recoup some of the money that is owed.
