That's an interesting development, three years later!
Some poor probably bought it for cash from some sketchy guy and didn't do a lien check on it.
Is buying it back from the insurance company even an option? Would they offer you that courtesy if you want it, or would they just put it on the open market?
Hopefully, if getting it back is an option, that the condition is good. Maybe it was collecting dust for 3 years.
Good luck! Keep us posted!
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