If the finance company didn't want the car back & your insurance didn't take the vehicle either- then your finance company should have had the title transferred over to a salvage title & mailed it to you since both agencies are allowing you to keep the totaled vehicle. Then the car would then legally be yours- your insurance company (or the insurance company of the person that hit you) should have paid off the fiance company & there is most likely no longer a lien on the car.
Vehicles with salvage titles can be repaired & made road legal again, but the process to jump through all of the hoops and red tape to get the salvage title cleared is a huge mountain of frustration & pain in the rear.
Vehicles with salvage titles can be repaired & made road legal again, but the process to jump through all of the hoops and red tape to get the salvage title cleared is a huge mountain of frustration & pain in the rear.