Wow that really rots.
As for just getting a check, if your car is paid off they will just give you a check. When it is paid off you are insuring a "value" so to speak. If it loses value they give you money to cover the loss of value due to accident or theft. If it is not paid off, they may or may not. It all depends on who financed it.
As was said before H-Town is all ghetto gated community or not. I used to live there too.....uggghh.
Again sorry for your loss.
That must have made your heart sink when you 1st saw it.
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