Although if you are still making payments you may have to let someone else work on it. I had an insurance claim on a car years ago after someone hit my fender. Put a very minor dent in it and insurance gave me 1200 to get it fixed. I didn't want to fix it at all, but because I was making payments they made the check out to me and the car loan bank. The car loan bank would not release the money to me until I paid the car off. So that 1200 sat in their bank for a couple years earning interest (lol) and the day I paid off the car they gave me the check.
Weird, but some times you are at their mercy.
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