Bad Credit Auto Refinance

I was in a bad car accident and my car is likely right on the border for being totaled. My problem is, it is a 5 year old car and I still owe $16,000 on it. If my insurance company is good to me, I should just barely be able to get that from them for totaling it. However, I will have no money for a new car, and my credit has taken a hit the last year so I wouldn’t easily be able to get financing on something else.

My question is, if my insurance company totals my car and gives me a check, will the check actually be made out to ME, or will they automatically (or be forced) to give it to my auto loan lender to pay off the car? What I’d like to do is keep paying my loan I already have as if nothing changed, and take my totaled car check and go buy another car outright, but I don’t know if that’s possible or not. Can anyone help?
Everyone who had a “smart” answer: please don’t blame me or act like I’m trying to scam anyone.

Some Additional Resources:
http://www.consumeraffairs.com/automotive/good_car_bad_credit06.html
Buying a Car with Bad Credit – What NOT to Do.. To get a real-time snapshot of average car loan interest rates for your FICO score,

http://www.carsdirect.com/auto-loans/bad-credit-car-loan/
Apply now for a Bad Credit Car Loan or read below for more information. for car loan research and specialists in bad credit car loans. Poor Credit?

I would never commit insurance fraud or anything like that intentionally, that’s why I was ASKING. I didn’t know who it went to – I was just trying to figure out the best way for me to keep a vehicle. I’d never intentionally try and scam or defraud anyone.

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I recently purchased a new car in November and the dealer told me that I can come back in year when my credit excels a bit to refinance with them. Is this true and do I have the option to refinance with another lender?

Get the lowest price and cheapest loan on the best new or used car or truck.http://hubpages.com/hub/Auto-Refinance-With-Bad-Credit-Refinancing-Car-Loans-For-Low-Interest Some people wonder if they can refinance car loans even though they are plagued. Check The Auto Refinance Calculator For Expected Savings On Car Paymentshttp://www.theautochannel.com/finance/tac.htm Auto Loan Calculator Determine your monthly auto loan payment. • Auto Refinance Calculator Calculate your potential savings on your current loan.info”>Todays Cure For Bad Breath

I applied yesterday for a new apartment, so obviously my credit will be checked, among other things. My mom co-signed for a new car for me about a year ago and I am now plan to refinance my car loan in just my name. Am I going to have a difficult time getting the loan being that I just had my credit checked for a new place? I have about 2.

Some Additional Resources:
http://www.leaseguide.com/index2.htm
Auto Leasing: How car leasing really works, how to calculate monthly lease. If you are having credit problems read our article, Bad Credit Car Loans and

5 years credit history with a fairly average credit score.

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