Typically, insurance companies pay out a vehicle in full and take ownership of the vehicle in case of a write off. BAA is an aid plan, and does not have the infrastructure to dispose of salvage vehicles, so we prefer to deduct the highest of the salvage bids from our payment. You retain ownership of the vehicle and can do with it what you choose. However, we require you to obtain salvage bids in order to determine the residual value of your vehicle.