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Here is my idea for the best possible way to get even.Give the car back. And cancel the insurance. That way your brother in law is stuck having to pay for a car he doesn’t need, and you aren’t beholden to him any more.I know you are worried about the possibility him claiming car theft. He would get in trouble, not you.You have possession of the vehicle with legal permission - as evidenced by the fact that you make the payments and pay for the insurance. If he claims theft, he would be in big trouble for making a false police report, and you could then sue him for abuse of process.Give him the car, and your brother in law may wind up begging you to take it back after he realizes that from now on he has to make the loan payments and pay for insurance on a car he doesn’t need.

My car was totaled, and I'm not at fault. The insurance company wants to seize vehicle, but I will not be able to afford another one. What should I do?That is the normal process. If the vehicle is totaled, your lender gets money for the value of the vehicle up to the amount you owe them, the insurance company keeps the vehicle, you get any excess money. If the amount the insurance company offers is less than the amount you owe your lender for the car, you have to make up the difference to the lender.You do not have to accept their first offer if you think it does not cover your medical expenses, losses due to the accident and the value of the car. Hopefully you haven’t signed anything yet. Negotiating with the insurance company is one option, paying an attorney to negotiate is another option, suing is yet another option. Just know that lawyers cost money and you may or may not get more money using an attorney. Suing costs you even more and the lawyer takes a good chunk of what you eventually get - and it takes time to sue.Unfortunately, many people owe more money on their vehicle than it is worth, so they can end up in a situation similar to yours. The insurance company is offering blue book for your car, but you still owe $2000.00 or more on the car than it is worth. That money doesn’t get forgiven just because you don’t have the car anymore - your lender will still want it. This leaves many people unable to get a new car.There really isn’t much you can do about it except try to get the insurance company to give you a better settlement.In some cases, if the car is still operable, but simply monetarily totaled, you can buy back the car from the insurance company. They allow you to keep the car, but pay you a negotiated amount less than agreed upon. Unfortunately, you will have to pay some money to fix the car to make it roadworthy and you will get a car back with a salvage title, which means it will not be worth much for you to sell in the future.

Yep!Back in the early 80's a girl I had dated in HS had a younger sister that was 12 years old at the time of this incident.The younger sister was home alone one day when their insurance agent called her mother's house, the parents had been divorced for several years.When the insurance agent found out the young lady was at home alone, he began asking her inappropriate questions and offered to teach her about sex to sum the conversation up.The young lady told her mother about the phone call and the mother told the father who verified the story with the young lady.The following week at the Jr High football game at which the young lady was a cheerleader, her father observed the insurance agent ogling the cheerleaders from the stadium fence.The father was a “rock layer" by trade all of his life and though he wasnt very tall, he was built like a gorilla with huge biceps and shoulders to match.The father observed the insurance agent for several minutes, then approached him and asked if he had spoken to his youngest daughter during the previous week.I guess the insurance agents reply was enough to set the girl's father off as it took 6 guys to pull him off the insurance agent.The insurance agent was rushed to the ER with severe bruising on his throat and deep lacerations around his eyes, where the father had tried to gouge his eyes out with one hand while choking the pervert with his other hand.After the sheriff's deputies interviewed several witnesses and the girl's father, the insurance agent was told that for his own safety that he needed to leave town immediately after leaving the ER because there were a lot of people in town that wanted him strung up from the nearest tree, shot, burned at the stake, or all of the above.Turns out that this wasnt the insurance agent's first foray into obscene phone calls with underage females.At least two other young females had told their parents about their phone calls with the insurance agent, but since the insurance agent was known and respected by most people in town and both of the two previous females had less than stellar reputations for honesty, their stories were discredited as being overblown, or just made up for attention.The third young lady had never missed being on the honor roll and had never been known to lie or cause trouble in any manner, either with her parents, school, or other adults that had coached her in sporting events or been around her for her entire life.The insurance agent left town that night, without his family and was fired from his job within 24 hours.And yes, there were a lot of people that felt bad for blowing off the other two girl's stories.