I am a law school graduate. What I offer is mere information, not to be construed as forming an attorney client relationship.
Okay, well, sometimes since title was with the lienholder? the insurance company will settle with them. However, what I have done when an insurance company has tried to pay out to someone other than myself, I tell them before hand they need to pay me instead. What you can do is this: attorneypages.com, go there and find an insurance/accident attorney. Some of them offer free consultations. Go to the one that does. If there is none/you don't want to go this route: contact the better business bureau in your county (call 411) and then go from there. They can help you.
Hope this helps.