I got into a car accident, then 2 months later my car note is paid by insurance, now i got a letter from the bank to turn in my car?

You bought the car from the dealer. A bank financed the loan. You pay money to the bank on the loan until it is paid off. You had an accident, the insurance paid for the damages. If the car was LESS than totaled the damages would be fixed and you would still get to keep the car and would still keep paying to the bank on the loan. However if the car was totaled then the money would be paid to the bank with any overage going to you. That did not happen. So the car loan was for more money than the insurance paid. The bank is still owed money. They want the car so they can sell it as scrap and maybe that will pay off the loan. If that does not work, then they come after you for the remainder of the money they are owed. As far as you keeping the car, if it was declared totaled, which it sounds like it was, your only option is to pay off the loan.

Yes, that is your only option. . The insurance company now owns your car because they paid it off. However, by law, you get first refusal to buy it back at auction.

When they settled your claim and paid off you car they became the owners. Yes, you have to allow them to get it.

Yes the paymemt you got from insurance is your payment for the car. You no longer own it

Huh?

Your question and explanation makes little sense. I have never heard of an insurance company making payments or paying off a loan for someone. If that actually happened then it is no wonder they now want "THEIR" car.

Please reword your question and include better details/explanation

You need to speak to your insurance company.

If they sent you any letters, read those word for word. As for the payoff, ask them who they paid, or what compnay, or is the money in a state suspense account? The main thing is you need proof the loan is paid, AND YOU NEED to hold on to the that paper for 8 years. You do not want the lender saying they were never paid and try to collect from you.

Is loan fully paid off?

If the car is totaled you can't keep it as it will need to be auction and re-branded as Salvage title.

No, something is very wrong here. If you still have your car, it means the insurance did not pay off your loan. Insurance companies either pay for repairs or they do a total loss settlement, and a total loss means they keep the salvage. Salvage is the smoking ruin that used to be your vehicle.

They don't ever do both. If you've still got the vehicle, it means the insurance company paid for repairs. THAT means they didn't pay off your loan, which in turn means you still owe money to the lender.

you didn't own the car the bank did until you paid off the loan. now they want the car back to sell at auction. you can call and ask to buy it but just how much work needed and do you have the funds to pay for it to get done

Its no longer your car. They are going to auction it and keep the proceeds.

They MAY sell it to you if you call & ask.

Yes, that is your only option. . The insurance company now owns your car because they paid it off. However, by law, you get first refusal to buy it back at auction.