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Can a car be considered totaled" by an insurance company but not require a Salvage title?"

My 04 bmw got backed into and the damage didn't look horrible but the repairs still came out to be a lot. So long story short the other persons insurance considered it totaled. When the insurance guy told about the total loss of the car he also informed me it WOULD NOT need to become a salvage vehicle. Something about the whole repair percentages and how paint and labor aren't taken into consideration. I agreed to buy it back but still I wonder how it's not being labeled a salvage title when they considered it a total loss. Oh I live in texas in case that's a factor.

   








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Can a car be considered totaled" by an insurance company but not require a Salvage title?"
My 04 bmw got backed into and the damage didn't look horrible but the repairs still came out to be a lot. So long story short the other persons insurance considered it totaled. When the insurance guy told about the total loss of the car he also informed me it WOULD NOT need to become a salvage vehicle. Something about the whole repair percentages and how paint and labor aren't taken into consideration. I agreed to buy it back but still I wonder how it's not being labeled a salvage title when they considered it a total loss. Oh I live in texas in case that's a factor.


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I own a condominium in a complex in Utah, where we are due for a large earthquake in the next 50 years. I pay an HOA fee which covers insurance in the structure, water, and trash. I recently called our HOA accountant and she said that we do not purchase earthquake insurance. My question is this: what if a large earthquake hits and it is so powerful that our complex is destroyed? Since technically I own a small fraction of a percentage of the land here, what will happen? Do condo complexes usually rebuild even if they don't have earthquake insurance?"


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Can a car be considered totaled" by an insurance company but not require a Salvage title?"
My 04 bmw got backed into and the damage didn't look horrible but the repairs still came out to be a lot. So long story short the other persons insurance considered it totaled. When the insurance guy told about the total loss of the car he also informed me it WOULD NOT need to become a salvage vehicle. Something about the whole repair percentages and how paint and labor aren't taken into consideration. I agreed to buy it back but still I wonder how it's not being labeled a salvage title when they considered it a total loss. Oh I live in texas in case that's a factor.


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Auto Insurance Question?
If I was in an auto accident and all the information I was able to get from this person was the policy number on his insurance card, how do I go about filing a claim. I called the insurance company but they refused to help me because I didn't have the person's name. Can they not access this information by pulling up the policy number?"


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Vehicle insurance question?
If I make a buisness delivery in my personal vehicle and have an accident, will my insurance cover me?"


Can a car be considered totaled" by an insurance company but not require a Salvage title?"
My 04 bmw got backed into and the damage didn't look horrible but the repairs still came out to be a lot. So long story short the other persons insurance considered it totaled. When the insurance guy told about the total loss of the car he also informed me it WOULD NOT need to become a salvage vehicle. Something about the whole repair percentages and how paint and labor aren't taken into consideration. I agreed to buy it back but still I wonder how it's not being labeled a salvage title when they considered it a total loss. Oh I live in texas in case that's a factor.