my 2018 Hyundai Sonata was totalled recently. The other driver’s insurance assumed liability and after inpsection came up with an amount of 20K. My payoff amount to HMF was 15K. Today I got a call from the insurance cmpany saying, HMF is asking for 19K as payoff amount. I asked HMF and they said for a crash, they expect the original value not the buyout value. Is that accurate?
If anything shouldnt the value be low? What should my next steps be?