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I am so sorry to hear this. Yes, I think even if you do not have insurance they still have some culpability here. Furthermore, they made false representations saying it was on the truck for delivery. You may need to actually file a lawsuit in order to get any traction here however. You need an attorney experienced in consumer protection. Fedex may also have liability under a Texas law called the Texas Deceptive Trade Practices Act which allows for triple your damages if there is proof of fraud. I am happy to answer any additional questions you have or we can talk via phone for an additional charge.