Auto Insurance Claims: time limitation specified in statue., salvage title, time limitation


Question
I was in an auto accident on 2/10 my insurance company notified the responsible insurance company on 2/11 of the claim. I waited until 2/15 to hear from them which I didn't so I called them and left a message.  They returned my call on 2/16 and said they took my statement and said they would send an adjuster out.
The adjuster showed up on 2/22.  I heard nothing until I called them again on 3/2 and left a message wanting to know what their intentions were.  They returned my call on 3/3 and said that my vehicle was going to be declared totaled and someone from that department would call me.  Someone from that department called me on 3/8. That person offered me full value of my vehicle plus taxes ect. and said I could buy the salvage title for give or take $200.00.  All okay...I found it odd that they offered so much to begin with  UNTIL...I received a letter from them dated 3/4 that read...Pursuant to GA law, we are required to notify all parties of the reason a claim has not been concluded within the time limitation specified in the statue.  The reason was...."Contact (name withheld) to discuss your claim". My question is what is the law and penalties for not adhering to it? And does it give me some room to negotiate for full value AND A CLEAR TITLE (Not salvaged).

Answer
Melissa,

Unfortunately, I'm not licensed in Georgia nor am I familiar with Georgia law.  However, I do not think the law would permit a vehicle that was deemed a total loss to be retitled as something else.  Part of the purpose of the "totaled" designation is to notify a future purchaser that the car has been seriously damaged.

Best regards.