Why am I still being charged for a totaled vehicle?

I was in an accident. The car was insured and the adjuster said it was totaled. Why do they continue to bill me my monthly premium of $312? I have paid them $1200 since the accident. Shouldn't they offer a lower premium for no owner insurance, even though I never drive?

It sounds like the totaled vehicle is the only vehicle on your car insurance policy, which means it would cancel the policy to remove it. I would call your insurance company and speak to a customer service representative or agent. They might be able to backdate the cancellation to the accident date and get you a refund. If your current car insurance company offers it, they could quote you for a non-owners policy.