insurance reimbursment

What is the name of your state? fl
my car was deemed toatled by the insurance company(of the other driver)
i was told that i would recieve fair market value for my car.this was going to leave me "upside down" in my car loan.never the less i was still anticioating some sort of reimbursment. now the insurance company states it wants to make the payment to the loan company, leaving me with an outstanding balance and no payment to obtain another vehical do they have the authority to decide who the reimbursment goes to? do i have any type of recorse for this?

payment of fair market value or reasonable replacement value goes to the owner of the car, which, in your case, is the loan company....as the owner, they are entitled to payment and any residual balance once they are payed would go to you....unfortunately, in this situation, you are out of luck....

harris c. legome, esquire