Under Ohio law, you are entitled to the fair market value of vehicle at the time of the accident, which may be more or less than what is owed on the care. You should have received a release from the insurance company to settle the property damage claim, and the release should have specifically stated how much the insurance was paying for the loss of your vehicle. You would have had to sign this release. And, because their is a lien on your vehicle, it is proper for the insurance company to pay any proceeds first to the finance company towards the loan, and if there is anything left over after paying it off, to you directly.
If you agreement with the insurance company was that they would pay off your car regardless of what you owed on it and regardless if the amount owed was more than the fair market value, then you should contact an attorney to discuss it with him/her. If that was the case and the insurance company did not pay off your vehicle, then they have breached an agreement with you. But, you most likely signed some document saying how much the insurance company was going to pay you for the loss of your vehicle.
Best of luck.
Our family worked with Joe Hartle to finalize the adoption of our daughter last fall. So while we were not the typical client of this firm, we still had a great experience. Joe is the best, was so friendly, easy to work with and made us feel very special during…
Attorney Scott helped me with my car accident case. I highly recommend Attorney Scott. He was very good about explaining things to me, and I am very happy with the results. Thank you!
Attorney Lafferty handled my car accident vs. pedestrian case. Very happy with the service and representation he provided. Great result!
Attorney Scott was wonderful in his representation of me for my car accident.
I was represented by Joe Hartle, who did a great job with my auto accident claim. Very happy with the end result.
Highly recommended. The attorneys are very knowledgeable, helpful, and friendly. They did an outstanding job representing us after a terrible car accident caused us serious injuries.
Joe Hartle represented us in a wrongful death case involving a semi-truck. He did an outstanding job during a very trying time in our life. Thank you!
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Excellent service from Mickey Scott. Thank you!