Car Insurance help?

Help! Car registered and Insurance!!!?

• I bought a car from my brother, and I have my boyfriend register the car and insured it. Later he got into an accident (no car was hit). My car has some damage like windshield, tires and side mirrors. The insurance told us it a total loss, so there for they can not fix it because it will cost about $5,000 to fix it. The other option the insurance give us is that they can buy the car from him, (I believe they will buy the car for more they can fix it). The question is if the insurance buy my car from him the money will go to him only. He will not give me the money for my car. I call the insurance let them know they can not tow or buy the car without my permission, because the car is my car that I bought from my brother. The insurance told me if I can prove the car under my name than they will do something about it. But the thing is the car register is not under my name but I can have my brother as a witness to write an authorized letter stating that I purchased the car from him. The problem is I’m not sure if that going to be enough. Please tell me what my next steps. How can I get my car to be under my name? And he will not transfer the car under my name because he tries to make money of my car that he broke. I told the insurance company I will pay the difference to fix my car. They told me that they do not do partial fix up; in other word they have to fix the whole thing with their money. It sound suspicious to me because my car should not be a total loss because all that need to be fix is two tires and the passenger mirror and sides mirror. Which I could have fixed it my self. It sound like they see that my car is worth a lot of money and they tries to buy it off so they can make a profit. And I don’t understand how they going to buy a car more than what they say they will fix it for. (My car have full coverage). Please help!!! What is my right?

• Answer:

  You tried to cheat the insurance company by having it insured under your BF. Insurance HAS TO BY LAW make the check out to the registered owner & insurer and that happens to be your BF. If he's the crook you make him out to be, then why are you with him? And why'd you trust him enough to give him your car???????? You reap what you sow!