Well there's your problem

[Generic]

My 4Runner was totaled by a hit and run. State Farm paid me the negotiated value, I bought it back and had it fixed. The title was never affected, and they continued to provide full coverage after I submitted the completed repair orders to our agent.

That's what we've gotten worked out, the "titled as regular" was their odd way of saying "It won't change"

Thanks for all the help and advice guys (and girls)