Grunt,
You are overcomplicating this. I get involved with these kinds of things on a regular basis and here's the skinny.
1) If the tire manufacturer has agreed to pay, then they owe you the 3 deductibles. Follow their procedures - which ought to be estimates, and the insurance adjuster's estimates ought to be adequate.
2) While the bank holds the lien, you own the vehicle. You can do what you want without the bank's approvel. Keep them out of the loop. It will just compliacte things.
3) Yes, there are 3 separate incidences. Yes, they have a common theme, but they occurred at different times. Besides, the tire manufacturer has agreed to settle the claim, so you shouldn't worry about them.
4) Your willingness to do the work yourself shouldn't be reflected in what the insurance company does. If they will only pay the guys that repair the vehicle - so be it. But if they are willing to give you a check, then you can repair it yourself - and YOU would then be compensated for the time it takes you to do the repairs.
So keep it simple.
