The intention of BAA is to pay for your actual loss. The totaled vehicle still retains a "salvage value." BAA does not take possession of your damaged vehicle because we do not have the infrastructure to deal with salvage vehicles. Hence the requirement for the customer to find a salvage value. If you are not familiar with this process please find a brother in your congregation to help you. For late model vehicles in Alberta, BAA has a dealer who may be able to take responsibility for consigning your vehicle to auction. In that case BAA will give full reimbursement for the vehicle and the dealer will pay any returns from the consignment to BAA.