My question involves insurance law for the state of: Florida.
I am a small car dealer who tried to repo a car 12 payments behind. Car was blocked in owners drive and damaged. i posted repo papers on window and called ins. co to make claim for damage as lienholder. They said car was total and offered $300. I declined. they towed car although i had told them not to, They quoted owners permisision, I said he had no authority since paper repo...bring car back!
they refused, unless I accept their terms. 6 months has passed and i want to sue for civil theft. They say I can't! yet i believe their ransom letter is clear and convincing evidence.