So not my customer, but a friend of a friend. They are with Farmers Union. He is a younger guy, 20 or so and not living at home. He couldn't swing a new truck so his parents cosigned on it and they are primary on insurance, he is secondary. he got into an accident and the adjuster came out, estimated $3500. When he called to see where check was, it went to the parents. They cashed it, spent it, and said a big F You, we don't like your new girlfriend. So the kid has a truck he is paying on that isn't driveable. What would you advise him to do? Throw the parents under the bus of course, call the adjuster? The finance company? Let the parents feel the wrath? Also for my future knowledge, what if there had been no loan and it was totaled, would he have been screwed?