Sorry buddy but I got to call you out on this topic.
First off, you had better check up on insurance contracts. Actually that is what they are after all.
Note: I am NOT an attorney but I did stay at a Holiday Inn last night and the trade group that I belong to has sponsored numerous seminars on them.
What we are talking about here is first party claims - those filed by the owner of the vehicle using his own insurance company.
Most policies state that in the event of a collision the insurer has 3 options: 1- Replace the damaged property (total them out) 2- repair the damaged property (this is what Progressive Ins. does with their Concierge program) or 3 the insurer can PAY for the amount of damage.
Now as far as my claim that SF participated in the title scam - read it here yourself.On September 15, 2005, more than two years after the purchase, Beaves received a letter from the Commonwealth of Pennsylvania, through the Attorney General's office, which advised him that the Honda Civic had been the subject of a State Farm Insurance Claim prior to his purchase. The vehicle damage was so extensive that the car was required to have a "salvage" title issued. The letter had stated that the Civic was one of 30,000 cars not properly titled by State Farm, but a settlement had been arranged between the insurance carrier and Attorney Generals throughout 48 states and the District of Columbia. In exchange for their efforts in arranging and administering this settlement, the Attorney Generals received payments up to $1 million from State Farm.
The full article is here : http://www.theautochannel.com/news/2005 ... 48394.html
You also can see the original class action suit here: http://www.state.il.us/court/Opinions/S ... /94144.htm
R titles are OK as long as the consumer knows up front exactly what they are getting.
For those in PA - If your car is totalled and you wish to retain the salvage (your own car) in order to get paid for the damages, you will have to surrender your title. It will then get branded as a JUNK title by the state. Then after the vehicle is repaired, you will then have to apply for a reconstructed title ( R-title). The vehicle will have to be inspected by a licensed inspection mechanic who certifies that the vehicle is safe. Then you will be able to get your own car back on the road.
Anyone buying a R title vehicle is urged to have it inspected by your own mechanic or friendly body shop.