ANSWERS: 2
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My luck would be, if they gave me the title, and found the car the insurance company would file charges on me.
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Your insurance company retains the title. Your insurance company is paying the bank, therefore that leaves the bank as paid in full on the car. This leaves your insurance company as the owner of the title, since they paid the money. Insurance companies own a lot of vehicles. once they pay a claim, the vehicle is theirs.
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