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USAA strives to do the right thing for its members, especially following major catastrophes like Hurricane Sandy. We processed more than 4,000 total loss vehicles in the aftermath of Sandy with the goal of expedient claims resolutions for our members. In this particular case, the title was lost after the member sent it. Rather than go back to the member and request a duplicate title during that difficult time, we opted to proceed with a parts-only sale. Consistent with our process, we notified the Insurance Services Office that the vehicle was a total loss.