Can a New York auto insurance company (Allstate) turn my cars title into a...

A

Adam

New member
...salvaged title? Allstate decided my car was totaled and told me they were not doing anything to the title because the car is more than seven years old. I have heard others say this as well. However, I have been arguing with Allstate about their offer, since they are only offering me 50% for an accident I did not cause, and wish to file a complaint with the New York State Insurance Department.

I wish to get enough money to repair the car myself, which means I need the title to be clean. I am afraid that if I complain to the insurance department, Allstate will give me more money but turn the title into a salvaged title out of spite. This will cause problems trying to re register the car.

Does Allstate have the legal ability to salvage the title even though the car is more than seven years old? Do you think they would do that if I pursued my options to try and get more than 50%?
 
A salvage title is made when a car, usually "totaled" by insurance company and sold to wrecker yard, is later repaired; or in cases where a title can NOT be located.

Is the amount offered 50% of insured value, or 50% of book value?
If insured for specific amount, and totaled, they should pay THE FULL amount. With book value, it varies with state and company.

BUT a total loss is not a 50% loss. Your car may not be worth what YOU think it is.

You could always refuse to settle and sue for full value, naming the other party, their insurance and YOUR insurance as defendants.

Personally, I would be looking for a new insurance company as well!
 
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