I have VW van that took in water through the air intake due to driving through flooded streets of about 6 inches of water. So the engine, much less the interior, was never submerged in any water. But of course a lot of water got splashed up into the engine and it was enough to actually flood it to the extent that the engine must be replaced. It's dead. My insurance company marked it as a total loss, which blew me away. I am still waiting on their cash payout amount but I should hear back in a day or 2. So my question; since the car never sat in high water and the damage was contained to only the engine, which would be replaced, is there anyway I might be able to retain the van to replace the engine and not have to have a salvaged title? I mean, the engine is damaged, I replace it, and we keep driving it. Why does the vehicle have to be shown as "salvaged"?