Tenn. Code Ann. § 55-3-209(b)(8)(C) states that it is the responsibility of the insurance company to notify the owner of a damaged passenger motor vehicle as to the owner's obligation to file for a Salvage title if they elect to retain ownership.
If the insurance company does not assume ownership of its insured's passenger motor vehicle that has incurred damage requiring the vehicle to be titled as a salvage vehicle or nonrepairable vehicle, the insurance company should:
- Notify the insured of the insured's obligation to apply for a salvage title or nonrepairable vehicle certificate for the passenger motor vehicle and notify the department that a salvage title or nonrepairable vehicle certificate should be issued for the vehicle; or
- Withhold payment of the claim until the insured applies for a salvage title or nonrepairable vehicle certificate.
Reference: Tenn. Code Ann. § 55-3-209(b)(8)(C).