If your car was recently reported as a total loss yet still driveable do you have to the repairs done?

No, you do not have to get the repairs done if your car is declared a total loss but is still driveable. When an insurance company declares a car a total loss, it means they have determined that the cost of repairs exceeds the car's actual cash value. In this case, the insurance company will pay you the actual cash value of the car, and you will retain ownership of the vehicle. You can choose to keep it and have the repairs done yourself, or you can sell it as-is to a salvage yard or private party.