My question involves insurance law for the state of: Texas
I am running into a conflict with my carrier and my automotive theft,
I have a vehicle that is unique in it build and was stolen and then recovered. While the repair cost will exceed the value of the vehicle, the uniqueness and personal attachment makes it some thing i want to keep and repair. I Texas it is commonly understood that "owners have salvage rights" .
In the past under my personal account with the same carrier, i have had 3 prior total loss claims that i enacted the rights to keep salvage. one of those prior cases was the very same vehicle in question. However in this case the carrier has fought us at ever point, argued the settlement process, forced us to go though the adjuster process to establish value. and now is trying to force me to release my vehicle. we have agreed to a value, but i have rejected it bc they have not deducted the salvage value. I am now going though the TDI process with regards to this case, but i may end up in court.
they are citing the policy that states it is their choice if i get to keep it or not
to me that is forcing me to relinquish my personal property.
I understand that if a repair of my vehicle exceeds the policy limit, then they can "wash their hands" and total loss it. and i do not agree that they should be able to Force me to give over my property.
I am hoping to find the transportation code or administrative code that protects my rights to ownership or my rights to salvage .
or is the president that has been set with my personal history with the very same carrier, proof enough in the courts eyes.