If you are buying it back, why would you transfer the title to the insurance company only to have them transfer it back? Sounds like a good way to pay lots of transfer taxes to the state.
My son got rear ended last year by a delivery driver for a nationwide auto parts company. 100% the delivery driver's fault. The company was self insured (the insurance company was part of the auto parts company). It was a 95 Blazer and they gave me a price if they keep it and a price if I keep it. I gave them receipts for the $500 worth of tires that I put on it the week before and they upped the price $400 to cover the tires. The price was pretty much full clean retail on that year of Blazer so I kept the truck and was very happy with the amount. No salvage title because the title never changed hands. However, you do have to disclose any damage over a certain amount when you sell it.
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Today's Featured Article - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
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