When you still owe money on a car and it is totaled who does the insurance company pay the money to?

The language changes depending on where you live.

If you borrowed directly to buy the car the Bank or Finance company will Be registered with your insurance company and they will be paid.

If there is money left over you will get a check from the bank or the insurance company depending on what lender and where you live.

If you went to the local title loan place you may be paid direct but if you don't pay the title loan guys they can both sue and charge you with fraud.