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How to tell if there is outstanding finance on a car. Before you buy a used car, you should carry out a car registration check, which will tell you if any money is owed on the vehicle, and also if it has ever been involved in an accident or if itâs stolen.If youâre buying from a dealer, you can ask if they have carried out these checks or you can do your own.Our Car Passport can check the history of a vehicle and is thus a reliable way to avoid buying a car with outstanding finance.efore you buy a used car, you should carry out a car registration check, which will tell you if any money is owed on the vehicle, and also if it has ever been involved in an accident or if itâs stolen. If youâre buying from a dealer, you can ask if they have carried out these checks or you can do your own.
Outstanding Car Loan. The insurance company does not consider how much you owe on the car when determining the value of a totaled vehicle. If you have a loan or lease on the vehicle, the loan must be paid off with the insurance proceeds.Any extra money can be used as a down payment on a new car. For example, say the insurance company will pay $16,000 for your lost car.he insurance company should pay you what your car is worth. This value may be significantly different from the payoff value of your car loan.