<prompt> Human: I was involved in a crash not at fault that totalled my car.My car was financed and I owe about 14k on it. The insurance cut me a cheque for 28k on my car, but put both my name and the finance company Toyota. What do I need to do? This is in toronto.The dealer tried to screw me and told me to sign the back of the cheque and that id get a cheque for the balance in the mail. The hell? Lol.. Walked out. They also told me to sign the cheque over to them and theyd give me a discount on a new car. Yeah.. Not gonna happen.  <response>: The 2 options they gave you are exactly how this would work. Either you sign the check and send it to the finance company to pay off the loan and they refund the balance, or you sign over the check to a dealer as part of a new car purchase and let them deal with paying off the loan and getting a refund. There is no scam here, this is routine. 