Total repair costs for a 1999 Oldsmobile Intrigue?

When a insurance company rules a car totaled they pay you the book value for the car but you do not get to keep it and the money. The car would be listed in the DMV as a reconstruced vechicle and there will be a much lower resale value. Smart people would not buy a car with a R title. The cost of repairs is more than the value of the car.