Can somebody help? My sister has just had her car stolen. this car was on higher purchase. She still has eight grand to pay off yet her insurance will only pay out four grand. Something seems wrong here since any car that is on a higher purchase agreement is the property of the finance company so they are the owner. If this is the case is it not there car that was stolen and the loss should be theirs not hers?!!!! Does anybody know if there is any way she can escape the mass financial burden of repayment and loss of car or do the finance companies always sit in the winning seat.