Can I Withdraw My Auto Insurance Claim

[basscat]

My question involves insurance law for the state of: TEXAS

My 1990 truck was deemed a total loss by the other driver’s insurance company here in Texas.

Apparently it doesn’t take much damage to a 1990 vehicle before an insurance company declares it a total loss.

It is definitely not a total loss to me. In the mean time I had a body shop fix the truck and now it’s back in great condition.

I do not feel it’s appropriate to total the truck with a salvaged title. But, the insurance company is telling me that I have no choice but to apply for a salvaged title if I am to receive a settlement.

Could I withdraw my insurance claim and not accept a settlement? I simply don’t agree with their conclusion and wish to move on in my life. I don’t want any of their money and I don’t want them submitting information to the state that would cause me problems with my license plate renewals and inspection stickers. I have no plans to sell the truck, though I understand the legal requirement of notifying potential buyers of the vehicles accident history.

I read that in the state of Texas an insurance company cannot voluntarily submit information to the state unless they settle and pay out on a claim.

I’m having a difficult time finding the answers to these questions. I would greatly appreciate any and all help.

Thank you,

TJ

[Mr. Knowitall]

It's worth a shot; call your insurance company and ask if they've already reported the total to the state. If not, see if they'll let you withdraw the claim.

[basscat]

I they have NOT reported this to the state and they DO allow me to withdraw the claim, does that mean they CANNOT report it after the claim is withdrawn?

Thanks

[Mr. Knowitall]

I can't promise what they will or will not do in the future. But what would be their incentive?