actually, my car was written off about 3 years ago. declared a total loss (aka, totaled)
I crashed when I lost control of the car, and slid into a fence post. Bending up the passenger front fender, but otherwise, fine.
Everything was purely cosmetic. Though, the estimate for repair was rather high, and the insurance totaled it. When a car is totaled, you have the option to "buy it back" from the insurance company (which I did) and within 2 weeks, it was back on the road, and there was no indication of a wreck. Fixed it myself for CHEAP.
Though, when you buy a car back, its given what is known as a Salvage/Rebuilt title. Thus, making it ineligible for Full Coverage (without jumping through LOTS of hoops in order to PROVE the car is in 100% perfect working order). So, when the tree fell on it, I was on my own when it came to repairing. So, I didn't even bother reporting this with the insurance, as they weren't going to cover it at all.
Car was off the road for almost a year. But, now its back in full force, and better than ever.