Auto Insurance Claims: leased car totaled, insurance claims, insurance company

Question
If you lease a car from a dealership and onl have it for a couple months then it becomes totaled and insurance pays you for the car, does the money then go to the dealership or would it go to you? Cause you still owe the dealership for the car but say the accident was your fault. Who gets the money?

Answer
Hello Amy,

I am not a lawyer nor do I work directly for an insurance company. I do however anser a question like this based on my exttensive background working with insurance claims.

You have not given me all the details here. First one would think that the dealership would have put a lien on the title securing them as the benificiary, but it sounds like you got the check from the insurance company. You are entitled to nothing. It is not your car. If you keep the money, in my opinion this could get you charged with fraud. If the check went to you, give it to the dealer before it is too late.



Rob