Total loss, adjuster wants copy of title prior to settlement

They want to see the title, ( a copy of it ) see whom to pay first. If there is a lienholder, they ( the leinholder ) will get paid first, for whatever is owed, and you will get the balance, if their is any.

If insurance total paid, is less than what is owed, the leinholder will want the difference, from you.

Sounds like an ugly situation if you didn't pay cash for it.

Best of luck. Hope it works out for you.