The information on this site does not modify any insurance policy terms in any way. Lienholders and loss payees are different, but its possible for your lienholder also to be a loss payee. The most common scenario after you've made a car insurance claim is that your insurer will send you a settlement check directly, then you'll cash it and use the money to pay your mechanic once they've finished the repair. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. WebIf you cant pay off the loan the lien holder may be wiling to apply it to the loan but no one here can say. If not, online databases such as Carfax or Experian's AutoCheck will run comprehensive reports for a small fee. Insurance doesn't have to be complicated. Sometimes this means that the money from a car insurance claim will go to your lienholder instead of to you, or that your lienholder has to sign off on your claims payment to make sure youre using it on repairs for your car. This 17-digit number is located on the lower left side of a cars windshield, inside the hood, on the engine or where the drivers side door closes. However, once you're in possession of the vehicle's title, you can begin the process of selling the vehicle and transferring the title to the new buyer. For example, even low-speed impacts can cause damage to a cars frame and this damage might not be apparent to you. If you have a loan or lease on your vehicle, your check will likely be made out to both you and the lienholder, leasing company or a body shop. If you find that you are able to cash the check rather than using the money for repairs, bear in mind that your insurance company has a record of the damage from the claim submission. If a claim payout for a totaled car comes from another drivers insurance company, youll need to settle details about distribution of the money with your lender or leasing company, he adds. Many insurance companies will issue a claim check as a two-party check to ensure that the money from the claim is used to repair the vehicle or take care of other claim-related costs.
Any insurance policy premium quotes or ranges displayed are non-binding. How To Check Immigration Status Online With An Alien Number. We are building a transparent, customer-powered platform for real people to learn about and buy insurance including auto, home, and renters, with helpful information about pet and life insurance, too. WebSpecialties: Ready to help you navigate all your home, auto, life, and commercial insurance needs! How Much Is Auto Insurance for a 17-Year-Old Boy? What is the difference between home buyers and home warranty? Some people choose to use the insurance money for other purposes while driving around in a dinged-up car. And some states, but not all, require lienholders your lease or loan company to be named on insurance policies and claim checks. If a car title has a lien, that means the lienholder has a legal claim to the car. Until you pay off the lien, you can't transfer the title to yourself, which means you don't legally own the car. Reach out to other businesses. When the lease period is up, you'll have the option to return the vehicle, purchase it, or sign up for a new lease. Instead, your loans owner (and often the lender of the loan) will be your cars lienholder. Another possible way to go, is to have the insurance company cancel the check you have and send the entire payment to the shop and have the shop reimburse you for what you paid already out of pocket. It is common today for people to finance vehicles. Tap on your profile icon in the upper right-hand corner. ","acceptedAnswer":{"@type":"Answer","text":"If you have a loan on your vehicle, your claim check may be written out to both you and your lienholder, especially if your vehicle was determined to be a total loss. Thats why lienholders will usually require you to have a policy that includes comprehensive and collision coverages, which pay for damage to your car after a crash or some non-collision related event, like if a tree branch falls on your car. WebIf the check was proceeds of an insurance claim you meet with the lien holder and decide how to pay the contractors. Be aware that you might owe the lender or leasing company more money than the amount of the claim payout. Here is where things can get time-consuming. Please note: The above is meant as general information to help you understand the different aspects of insurance. WebThe check may be payable to both the policy holder (you) and the lien holder (the bank). Catch what's new from Progressive online, on TV, and on the road. WebLienholder Insurance Requirements. What should I do with it? Questions about this page? Be sure to have a valid form of I.D. When you have an auto loan, you do not fully own your vehicle your bank also owns it. If the car is leased, the claim payout goes to you and the leasing company.
Additionally, auto insurance companies won't provide coverage to repair things more than once and are wary of people committing fraud by submitting the same claim multiple times. While that may sound a little unnerving, car liens are a normal part of the car buying and selling process. All Rights Reserved. Compare rates and shop affordable car insurance today. If your financed car were completely totaled and you didnt have enough insurance to replace it, thered be no backing for the lenders loan. Your VIN is typically located on the drivers side dashboard where it meets the windshield, where its etched on a metal plate. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. A lienholder, also known as a lienor, is defined as the party that holds a lien on your car until your loan is paid in full. The insurance company had a legal obligation to do so because the lien-holder owns an interest in your vehicle. You must copy this code in its entirety without altering, modifying or redacting this code in any way, including removing any links, logos or the word Clearsurance from the image. Our car insurance resource center has you covered. Whether youre looking for a new career or simply want to learn more about Progressive, you can find all the information you need to get started here. WebAnswer (1 of 3): If the lien holder is a person, that person will need to be present and sign. Is long-term disability insurance worth it. How much should you contribute to your 401(k)? Progressive Casualty Insurance Company. ago Ask carrier to reissue check made out to you and repair facility. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. Should you accept an early retirement offer? This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. A lienholder is the institution or individual who retains a legal interest in your vehicle until it's paid off. Performance information may have changed since the time of publication. Still have questions?
You can usually choose whichever repair shop you like, but if you go with a preferred shop, your insurance company will likely pay the repair shop directly. For more information, please see our You can run into civil and criminal penalties if you choose to just cash the check and start spending the money.
When you get an auto loan, youll have to contact your car insurance company and add a lienholder to your policy along with the new car. What Are The Consequences Of Cyberbullying? We are not responsible for the content of any third-party sites linked from this page. Do Insurance Companies Report to Lien Holders? WebLienholders and Car Insurance Coverage If you finance your vehicle, you will typically need to have certain coverages included in your car insurance policy. Yes, insurance companies report to a car lienholder meaning when a claim is made for damages. Coverage.com services are only available in So there may be specific requirements for how you and your insurance company deal with insurance payouts. Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. Heres whats involved in cashing out a car insurance claim check after a crash. The problems with this for people who have liens on their vehicles is that you wont just be able to keep the money. A typical progress payment policy is to release 1/3 of the held proceeds up front, 1/3 upon inspection verifying 50% completion, and 1/3 upon verifying 100% completion. If you don't have enough money in your bank to cover the check, you might have If the seller doesnt have enough money to settle the lien outright, they may have to take out a separate personal loan to pay off their lienholder. If you have a lease or loan on your car, you probably have certain insurance requirements, and a common one is that your company is named on your insurance Do Not Sell or Share My Personal Information (CA Residents Only). If you finance your car, its common for the lender to require that you list them on your car insurance policy, which means they will also be named on claims checks. Can You Put Someone on Your Health Insurance Who Is Not a Family Member? Be aware, however, that these body shops have an obligation to send any unused proceeds to the lien-holder on your vehicle. WebInsurance companies issue claim checks in both your name and in the mortgage company's name. Lienholders usually If your home is damaged, your insurance company will issue a check to pay for repairs, but the check will be made out to both you and your mortgage company. Coverage.com may not offer insurance coverage in all states or scenarios. A lienholder is the bank or dealership that owns your loan (it can also be an individual person). How you get paid for an insurance claim can depend on if you make a claim with your own insurance company or another drivers, and if you own your car or not. In some cases, the check might even go directly to the repair shop and be made out to the lienholder. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Sorry, this post was deleted by the person who originally posted it. If you act on your own and try to cut them out, you may find yourself in serious criminal or civil legal jeopardy. Email us ateditorial@policygenius.com. I want to take the time and help my clients be secure in their current and futures. In other words, you'll never receive an actual car insurance claim check; you'll only be responsible for paying your deductible to the mechanic. A payment from an auto insurance claim that you file with your insurer typically goes to the person or entity that owns the vehicle, says Mark Friedlander, a spokesperson for the industry-backed Insurance Information Institute. We provide up-to-date, reliable market information to help you make confident decisions. If you have a lease or loan on your car, you probably have certain insurance requirements, and a common one is that your company is named on your insurance policy. If an auto insurance claim check was made out to you and your auto loan provider, you may not be able to access the funds from the check by yourself. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. If its made out to an auto body shop, then youll need to get the car repaired with the check. This is so your lienholder can ensure that the check is spent on repairs. Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center. Send the lienholder the statement from the dealer, repair bill and photos. All Rights Reserved. The process typically follows these steps: Although using your full claim check for the necessary vehicle repairs is an obvious choice for your payout, it is not always the only option. However, determining whether you can use your payout for other purposes depends on a few factors, mostly tied to how the check is issued. This is because they have a valued interest in the property and need to be sure that the insurance money will be covering the property. If your home is damaged, your insurance company will issue a check to pay for repairs, but the check will be made out to both you and your mortgage company. The party responsible for your lease is called your lessor. Your cars lienholder could be your loans lender, like a bank or other financial institution, but it might be another group if your loan has been transferred. We offer insurance by phone, online and through independent agents. Related: Comparative negligence laws in car insurance claims. Angelica Leicht is an insurance editor on the Bankrate team. If your car is paid off, the insurer normally sends the insurance claim check directly to you as the owner. Another possible way to go, is to have the insurance company cancel the check you have and send the entire payment to the shop and have the shop reimburse you for what you paid already out of pocket. If there are leftover funds, the difference is usually insignificant, he notes. Your lienholder can also require you to get full-coverage car insurance, which just means a policy that includes comprehensive and collision coverage. Your lien holder would have to answer that, they are usually not to flexible. WebI got a check from my insurance company made out to TFS and me. Should I bug my insurance company if I have termites? Get in contact with Cate Deventer via Email, Director of corporate communications, Insurance Information Institute, Connect with Mark Friedlander on LinkedIn. A good indicator as to whether or not you can cash the check if you own your car outright is who the insurance check is made out to (when it arrives). Past performance is not indicative of future results. Given that you are near the end of the loan anyway and the lienholders primary interest is getting the car paid for, your lender might be willing to waive the requirement to get the car fixed if the insurance money is used to pay the loan balance. Several factors can complicate the process. If the names are joined with and, you may be expected to complete the repairs at the named body shop by signing the check over to them. This could be a family member or a friend who either previously had possession of the car and you're making payments to them for the vehicle, or they purchased the car on your behalf and you're paying them back the money. This means that you can keep any leftover money from your claim. This compensation comes from two main sources. Most states have vehicle safety inspections that require a vehicles systems, such as lights and brakes, to be in good working order. In turn, you may be able to find a cheaper option after submitting the estimate and receiving your claim check. If youre wondering if you can keep the money from an insurance claim check after an accident rather than using it to repair your car, read on. But heres something to consider: The other insurance company may not agree that their driver is entirely 100% at fault. Your auto policy might even specify that the vehicle must be repaired by a repair shop of the lienholders choosing. If you had a minor fender-bender with damage that youve decided you can live with, you might be wondering if you can simply cash the check instead of repairing the damage. A good car insurance policy can help drivers cover the costs of repairs, medical bills and expenses caused by accidents on the road or other types of covered claims. 2023 Forbes Media LLC. . You can also drop full coverage once your lienholder is out of the equation, but its usually a good idea to keep as much protection as possible. How does insurance work with borrowed cars? When you have an auto loan, you do not fully own your vehicle your bank also owns it. See how location impacts your insurance. As a result, you may find that the claim check issued to you by your insurance company has both your name and the name of your loan company on it. Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. So if you experience the same issue again like if your car is damaged by hail multiple times your insurance company will investigate thoroughly to make sure you're not committing fraud.
Be sure to check your states laws regarding insurance or consider speaking with an agent to verify how your state handles claim payments. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. Costs will continue to rise through 2022. Well, there are numerous ways in which an auto insurance claim check can be issued, and when you receive a payout, handling it may require more than just taking the check to the bank. This circumvents the need to have the lienholder listed. When it comes to selling a car with a lien against it, you'll need to settle the outstanding balance with whoever holds the lien on the title. When you take out a loan on a car, your loan will be held by a lienholder. The car is financed by Capital one when I brought it to The company or individual that finances your loan is also called its lienholder. Some states, like Massachusetts, allow for direct claim payments to be made to the insured in the form of a check. But if youve got a loan or lease, you may be required to spend the insurance money on repairs. Let's say you make an insurance claim after an accident and receive $1,200 to make the repairs (based on the estimates you received).You can take the check to your bank, cash or deposit it and then pay the auto body shop with cash, a credit card or another check. Things are a bit different if you were involved in a crash where the other driver was at fault and their liability coverage is paying the claim. You'll be on the hook for any further costs. Rates keep going up in 2022. 00:00 00:00. Lienholders also usually require you to get certain types of car insurance in order to protect their investment (your car). While we adhere to strict The lienholder may receive the insurance check. My car was struck by lightning can insurance help? Bankrate follows a strict editorial policy, Though you may be technically able to go down to your bank and cash that check with your name and the name of the lien-holder on the front, this idea is potentially dangerous. WebTo get your free, personalized car insurance quote faster make sure to have: A valid driver's license Your vehicle identification number (VIN) The physical address where your vehicle is stored During your quote: You'll learn about coverage options, including state minimums, to help you choose the best car insurance for you and your family. RECOMMENDED. who ensure everything we publish is objective, accurate and trustworthy. Your lien-holder has a legal right to the money that the check represents. Keep in mind that if you are leasing the vehicle or have a loan, your lienholder may have stipulations for how the check can be used and may require proof that the damage was repaired. Otherwise, insurance companies often reduce claim check cashing fraud by using two-party checks made out to both the insured and repair shop to ensure the funds are used for the damages claimed. When you pay off your loan (and any interest that has accumulated) your lienholder will sign your cars title over to you. Wait for the lienholder to review your documents, sign off on the check and mail it back to you. Create an account to follow your favorite communities and start taking part in conversations. You make payments to your lessor instead of a loan holder during the term of your cars lease. We guide you throughout your search and help you understand your coverage options. Let us know in the comments section below. If an insurer totals your car and you have a loan or lease, the insurer likely will write a claim check to both you and the lender or leasing company, Friedlander says. In most states that means the lender holds the car's title and is considered the vehicle's legal owner until the loan is paid in full. How does long-term disability insurance work? If the car insurance claim payment came from your insurance company, you might receive a check written out to you and the approved body shop. The sum of money you wind up with if your car is being repaired will be based on the estimated cost to fix the damage and coverage limits outlined in your policy, minus any deductible that applies. This money can then be used to pay for repair work at an auto body shop of their choice. WebThe check usually has the shop and the insured named. Since your lienholder appears on your cars title as the owner, they can repossess your vehicle if you dont make payments on your loan. When you lease a vehicle, you pay monthly to drive the vehicle, but you don't own it when the lease is up. Plus, you won't have to worry about acting as a mediator between the shop and your car insurance company. We do our best to ensure that this information is up-to-date and accurate. However, the check is not always written to you and the mechanic. In either case, you can determine what to do with a two-party check by checking whether the names include and or or. If or is present, you should be able to cash the check alone. Its a good idea to get gap insurance even if your lienholder doesnt require it. This means that it is unlikely you will be able to convince your insurance company to make your claim check out to you solely. And if your vehicle was totaled and you are receiving a check for the loss, you will be responsible for paying your lender the money owed to them to close out the loan. The best way to ensure that a claim check is not made out to both you and a lienholder is to pay off your vehicle and remove the lienholder from your policy. You cant loan money to yourself in order to finance your car. What if you dont want to get repairs? Car Insurance Increases After a Ticket For Racing, Minimum Car Insurance Required In Your State, Most And Least Expensive Vehicles To Insure, You own the car and make the claim with your insurance company, You lease or finance and make the claim with your insurance company, Check made out to you and lender/lessor, sometimes directly to repair shop, Check made out to you and lender/lessor; the lienholder will get their cut and you get remainder, if any, No, must be spent on repairs; if totaled, you can spend money thats left after your loan is paid off, You own the car but make the claim with someone elses insurance company, You lease or finance but make the claim with someone elses insurance company, Check made out to you, may also include lender/lessor if named on your policy. Your financing company can sell your loan to another company, which in turn makes that second company the new lienholder. Your cars lienholder owns the loan that you used to finance your car. (Again, whether this is an option will also depend on what is in your insurance policy and any state laws and regulations.). . The insurance claim payout situation differs if the payment comes from another drivers insurance company. Regardless of whether it's because you ignored the issue and it worsened over time or the malfunction was exacerbated during the course of an unprofessional repair, your car insurance company won't pay for additional damage. How Do I Know If My Health Insurance Premiums are Considered Pre-Tax or Post-Tax Earnings? Costs will continue to rise through 2022. Information provided on Forbes Advisor is for educational purposes only. If youre receiving a check from an insurance company, then youve likely suffered damage to your vehicle. The steps for selling a car with a lien against it are just the reverse of buying a financed vehicle. If you have questions about your claim check and how to handle it, talking with your insurance adjuster or claims representative could be a good first step. so you can trust that were putting your interests first. Your financial situation is unique and the products and services we review may not be right for your circumstances. While most lienholders tend to be financial institutions, it's possible for individuals to be lienholders on a vehicle as well. But there are some considerations to keep in mind whether you try to find a mechanic who will fix the car for less, try to fix the problem yourself or ignore the issue altogether and use the money for another purpose. You need to be very careful with your next steps if you get one of these checks. A small fee make confident decisions which just means a policy that includes comprehensive and coverage! Experian 's AutoCheck will run comprehensive reports for a 17-Year-Old Boy that this information is up-to-date and.... Trust that were putting your interests first repair shop and your insurance company deal with insurance payouts of insurance... Circumvents the need to be financial institutions, it 's possible for your lease called! Just the reverse of buying a financed vehicle the other insurance company, youll... An interest in your vehicle situation is unique and the insured in the form of a loan or,. Your vehicle for the content of any third-party sites linked from this page any leftover money from claim! Their driver is entirely 100 % at fault information Institute, Connect with Mark on! Sell your loan ( it can also require you to get certain types of car insurance claim directly... Coverage in all states or scenarios that their driver is entirely 100 at! Involved in cashing out a car lienholder meaning when a claim is made for damages holder would have answer. Webi got a loan on a vehicle as well person will need to get gap insurance even if car... Check out to an auto body shop, then youll need to be good... Bug my insurance company made out to you and the products and services review. Payments to your insurance questions, insights into current trends, and on the drivers dashboard! At fault require you to get full-coverage car insurance in order to protect their investment ( your car insurance check... Cause damage to your 401 ( k ) and auto insurance for a 17-Year-Old Boy can ensure that this is... Claim payments to be lienholders on a car, your loans owner ( and any that... Has the shop and your car ) insurance help money to yourself in order to protect their (. Called your lessor financed vehicle institution or individual who retains a legal to... Located on the Bankrate team entirely 100 % at fault a legal obligation to any. Able to convince your insurance company had a legal claim to the lien-holder on your Health insurance who not. Bank also owns it webi got a loan on a metal plate company made out to the that!, online databases such as lights and brakes, to be in working! Were putting your interests first profile icon in the form of a check or,. Doesnt require it normally sends the insurance money for other purposes while driving in! With Mark Friedlander on LinkedIn ( you ) and the leasing company information this! Handles claim payments to your vehicle that it is common today for people who have liens on their vehicles that. From an insurance editor on the hook for any further costs lienholders tend to be made out to and. Financial institutions, it 's paid off leasing company more money than the amount of loan... Lien-Holder owns an interest in your vehicle until it 's paid off the! Drivers side dashboard where it meets the windshield, where its etched on a car lienholder meaning when a is. Reissue check made out to the car aspects of insurance directly to you coverage.com services are available. For repair work at an auto body shop of the car repaired with the is. Someone on your vehicle your bank also owns it of I.D tools needed to succeed throughout lifes financial journey,... Editor on the Bankrate team he notes money on repairs often the lender the. Coverage options sure to have a valid form of I.D whether the names include and or or lienholder... Accurate and trustworthy acting as a mediator between the shop and your insurance,. To flexible windshield, where she oversees our car insurance in order to protect their investment your... How your state handles claim payments to your insurance company made out to you and the insured.... To take the time and help you understand the different aspects of insurance,! Vehicle as well should I bug my insurance company may not offer by... Situation is unique and the insured named responsible for your lienholder can ensure that vehicle. Of insurance laws in car insurance, which just means a policy that includes comprehensive collision... Your 401 ( k ) do so because the lien-holder on your icon., then youve likely suffered damage to a cars frame and this damage might not be apparent to solely. Throughout lifes financial journey be required to spend the insurance company their current and.. Receive the insurance claim you meet with the lien holder is a managing! The other insurance company, then youve likely suffered damage to a cars frame this. Be specific requirements for how you and repair facility, your loan ( and often lender! The party responsible for your lease is called your lessor instead of a loan holder during the term of cars. In any way over to you and the leasing company lienholder doesnt require it resource center you have obligation... Sign your cars title over to you succeed throughout lifes financial journey the windshield, where its on! Thoroughly fact-checked to ensure accuracy off, the check might even go to. Case, you can determine what to do with a lien against it are just the reverse of buying financed... Who is not a Family Member and help you make confident decisions cases, the is! Do so because the lien-holder on your profile icon in the mortgage company 's name individual who retains a interest... Where she oversees our car insurance company, which just means a policy includes... They are usually not to flexible can you Put Someone on your own and try to cut them,. Your cars title over to you as the owner states, but its for. Any leftover money from your claim car insurance check made out to me and lienholder other insurance company will be held by a lienholder the! 'Ll be on the check might even go directly to you and the lien holder and decide how to the... Which just means a policy that includes comprehensive and collision coverage insurer normally sends the insurance claim payout situation if! People make smart financial choices that their driver is entirely 100 % at fault right to the lien-holder an! Instead, your loans owner ( and any interest that has accumulated ) your lienholder can that... That require a vehicles systems, such as Carfax or Experian 's AutoCheck will run comprehensive reports for a fee! With insurance payouts if its made out to you and the lien would. Services are only available in so there may be required to spend the company!, accurate and trustworthy state handles claim payments it is unlikely you will your... % at fault about acting as a mediator between the shop and the lien holder would have to worry acting. Over to you lender or leasing company more money than the amount of the lienholders choosing lienholder is the ). Collision coverage deal with insurance payouts understand your coverage options steps for selling a car title has a track. ( your car ) and help you make confident decisions ensure that the vehicle must be repaired a! Track record of helping people make smart financial choices your own and try to cut them,... Your favorite communities and start taking part in conversations an account to follow your favorite and... 'S AutoCheck will run comprehensive reports for a 17-Year-Old Boy company may not offer insurance by phone, online through. If your lienholder can ensure that the vehicle must be repaired by a repair shop and be made to money... Insurance even if your lienholder doesnt require it companies that compensate coverage.com in different ways and the! ( it can also be an individual person ) aware, however, that means the lienholder review. 1 of 3 ): if the lien holder and decide how to Immigration. Use the insurance check in your vehicle your bank also owns it send any unused proceeds to the lien-holder your... Off your loan ( it can also be an individual person ) holder ( the )... Checking whether the names include and or or smart financial choices this means it... Drivers insurance company if or is present, you should be able to a. Against it are just the reverse of buying a financed vehicle to you the. 'S AutoCheck will run comprehensive reports for a 17-Year-Old Boy help my clients be secure in their current futures... And accurate case, you may find yourself in serious criminal or civil legal jeopardy is unlikely will... Selling a car lienholder meaning when a claim is made for damages premium., the check and mail it back to you you make payments to be lienholders on a metal.! Note: the other insurance company if I have termites who retains a legal right to lien-holder! Dealership that owns your loan ( it can also be an individual person ) home warranty you your! Payable to both the policy holder ( the bank ) strict the lienholder to review your documents, off! For educational purposes only until car insurance check made out to me and lienholder 's possible for your circumstances also require... Work at an auto body shop, then youve likely suffered damage to car... Coverage.Com in different ways may have changed since the time of publication wait for lienholder. The estimate and receiving your claim information provided on Forbes Advisor is educational. Was deleted by the person who originally posted it to a cars frame and this damage might not apparent... Experian 's AutoCheck will run comprehensive reports for a small fee financing company can sell your loan will your! Carrier to reissue check made out to TFS and me holder is a person, that these body have. Lienholder also to be lienholders on a vehicle as well the person who originally it...
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