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Kyle Said:

Do I get compensated if the title company screwed up my Deed?

We Answered:

Sounds like you need to get a hold of a real estate attorney.

Mathew Said:

Am I entitled to half the insurance money if my name is on the registration?

We Answered:

You have bigger things to worry about than this check. If the car was repossessed, then this will ruin your credit because you co-signed for it.

Carla Said:

What are we entitled to if we just bought a house and the title company messed up on our property title?

We Answered:

First of all, don't trust that what the assessor says is accurate. In our area, they often make mistakes on who owns what, so this sort of thing is not surprising. You need to have the title company (or your attorney) do a chain of title search on both you and your neighbor's deeds to see who has rights to the property. If the neighbors do have the property, and you bought title insurance, then the title company will have to pay for your loss (equal to the value of the property lost).

However, even if the neighbor has a claim to the property, that doesn't mean it's an open and shut case. They would have to prove that they meet all the requirements for adverse possession, which in Oregon takes ten years of actual, open, notorious, exclusive, hostile and continuous possession of the property. If they can't prove this, they can't get title to the property.

Ask your attorney about the possibility that adverse possession has occurred in this case, and about quiet title suits. Have the attorney examine the documents that the assessor & title company are claiming to show the neighbor's interest in the property. You might need to have a boundary survey done for the property.

This is going to get pricey, but the title insurance company should pay for it, if they don't have an exception.

Phillip Said:

Who is entitled to collecting the insurance money from a totalled car?

We Answered:

Good question ! If the car is financed They will write the check to the finance company. If it is not financed the check will be written to Grandma. but....Some companies may write it to both you and Grandma. An underwriter for the paying insurance company would be the one to ask to know for sure.