It doesn't matter. This is all a negotiation. You tell them "You value my car at $3,000 and you show salvage value is $500. Write me a check for $2,500 and I will sign a release". You never give them your title. It is impossible for them to give it a salvage title if you never sign it over. The insurance company will always tell you what they want you to do and guide you that direction. You have to stand up for yourself. Been there done that several times.