Auto Insurance Claims: Salvage Retention, total loss auto, total loss car

Question
An insurance company has offered to accept liability for the damages to our vehicle.  After discussing the settlement figures with the adjustor, the insurance company stated that they can only settle on owner retention basis (I get to keep my vehicle after it's been deemed a total loss by the insurance company).  When asked why, the insurance stated because it's been so long since the accident.  Do I have a say if I want to retain my vehicle or not or is this solely a decision by the insurance company?  The difference between a fair market value and salvage fees is roughly around $2,000.  

Answer
John,
Yes, you have a say, legally. But it is a chess game and you are being maneuvered. Would you consider keeping the car if they only deducted $300 for the salvage? For a detailed discussion on salvage and the car settltment value itself, get the eBook Total Loss Auto for Claimants at UClaim.com. It's guaranteed and includes a 20 minute consultation with the author.