Can an insurance company (NYS) deny me my salvage vehicle because they think I...

[hcrispell]

...intend to sell it? My car was totalled and I was not at fault, I had an agreement with the faulty partys insurance agent and asked what a salvage title meant...to him that ment that I wanted to resell the vehicle, I have no intention of doing this but just put a lot of money into the vehicle and do not want to loose all of that, can they deny me the right to purchase my vehicle because they think I may want to repair and sell the vehicle?
I have not yet agreed to anything with the insurance company so...I am waiting to see if they can do something about giving me my car back, I do not want to make a deal that I am not happy with, their driver was 100% at fault and his insurance company is making my life hell.