Legally, its the friends because the insurance was in the friends name. Insurance checks are meant to be used on repairs to the vehicle or toward the purchase of a new vehicle. So you could try to force the friend to use the check toward the vehicle by taking them to court. Or you can start paying for your own insurance and not have to worry about the loyalty of your friends.
if there is insurance it should pay for the loss
It would depend on why the car was totaled and who's fault the accident was and what time of insurance do you have PLPD or Full Coverage
most time if the car was in an accident and is totaled you will have to by it back from your insurance company
The very first thing you do is report it to the police. Whether the car is "totaled" or not (a decision typically made by insurance adjusters), a police report is required for any automobile accident.
Either the cars owner or the insurance company who paid for the totaled vehicle
If a car is totaled in an accident and only liability insurance is present, there is a chance that the other party's insurance will pay for the vehicle if the accident was their fault. If a car is totaled, but no others were involved, then the responsibility falls on the registered owner. This will not release the registered owner from paying for the vehicle, either, if money is still owed on the car.
If the accident was your fault you're out of luck. If you were hit by someone, their insurance will total your car and pay you for its actual cash value.
Your insurance may go up it may not, also sue for allot of money!!!
Gap insurance only pays if the vehicle is totaled in an accident or stolen and not recovered. It does not cover the deficiency balance after a repossession sale.
If another person was at fault for the accident, you will need to go after their insurance company. If you are liability only, your insurance company will not pay for anything.
Its your fault