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Question
I purchased a vehicle that a clear Texas blue title and when I went to registered it the state of Texas sent me a
letter that the vehicle had a certificate of destruction from the state of Florida and will not title the vehicle.

I understand my only option is somehow get the state of Florida (or entity that requested that this car received
this designation). I would like to know my options and any due process that can be afforded to me in this case.

The vehicle is not junk and has been inspected and driven for four or five years. The car is somewhat of a collectors item and it's value will increase over time. I became too attached to the vehicle to simply crush or
dismantle it.

Please let me know.

Sincerely,
A native Texan

Answer
Charles,

You will probably want to retain an attorney and pursue a Deceptive Trade Practices Act violation against the person who sold you the vehicle. It sounds like the vehicle was totaled in Florida - probably as a result of flooding since that is often hard to see without getting inside the hidden areas of the vehicle.

You won't have to destroy the vehicle or get rid of it. There is a Texas title that you can get that reflects the "cloud" on the title due to the Florida declaration. The key is that you can't hide this information ... which the seller of the vehicle to you clearly did.

Hope this helps.


Kevin Hromas
JD, EGA, RPA, PLCS, CPIU, HCRI-R/C, WIND Umpire/Appraiser
Kevin Hromas & Associates
... A Division of US Insurance Information LLC
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Kevin Hromas - JD, EGA, RPA, PLCS, WIND Umpire

Expertise

Insurance related issues for both commercial and residential property coverage. I am a licensed, executive general adjuster currently holding a Texas resident P&C license (614250), New Mexico non-resident all lines license (248774), Oklahoma non-resident P/F/M license (A299561), Florida non-resident P&C license (E117051) and a National Flood Insurance Program certification (06040100). My areas of expertise involve property and casualty issues in both residential and commercial policies with regards to claims practices and issues. I deal extensively with Lloyd's of London commercial policies and various domestic carriers for residential policies.

Experience

I am a licensed, executive general adjuster currently holding a Texas resident P&C license (614250), New Mexico non-resident all lines license (248774), Oklahoma non-resident P/F/M license (A299561), Florida non-resident P&C license (E117051) and a National Flood Insurance Program certification (06040100). My areas of expertise involve property and casualty issues in both residential and commercial policies with regards to claims practices and issues. I deal extensively with Lloyd's of London commercial policies and various domestic carriers for residential policies. After a 20 year career as a General Contractor, I was employed by Allstate Insurance as an adjuster in Texas, holding various postitions within the property claims department. After leaving Allstate, I specialized in handling losses associated with major catastrophes through-out the country. (Hurricanes Isabel, Charlie, Wilma, Katrina, Ike, etc., hail storms, floods.) I am currently retained as an expert by multiple insurance defense firms in Texas for issues in litigation in regards to claims issues and practices. I am also a certified Umpire for formal appraisals.

Organizations
Member - Society of Registered Professional Adjusters Fellow - Council on Litigation Management Member - Property and Casualty Association Member - Texas Independent Insurances Adjusters Association Member - National Association of Independent Insurance Adjusters Member - Houston Claims Association Member Windstorm Insurance Network Member Association of Property & Casualty Claims Professionals

Publications
Claims Magazine (www.ClaimsMag.com and then search 'Kevin Hromas' for a full listing of articles and quotes.) www.ClaimsPages.com, www.ProAdjuster.org, www.KevinHromas.com

Education/Credentials
JD - University of Houston Law Center - 1992 BA - Southwest Texas State University - 1980 AA - South Plains College - 1977 PLCS - Personal Lines Coverage Specialist

Past/Present Clients
Certain Underwriters at Lloyd's of London, Fulbright & Jaworski (Law Firm) Bracket & Ellis (Law Firm) Thamm & O'Briant (Law Firm) Sheehy, Ware & Pappas (Law Firm) Walker, Wilcox and Matousek (Law Firm) Financial Guarantee Underwriters

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