Worst Case Scenario on Auto

So not my customer, but a friend of a friend. They are with Farmers Union. He is a younger guy, 20 or so and not living at home. He couldn't swing a new truck so his parents cosigned on it and they are primary on insurance, he is secondary. he got into an accident and the adjuster came out, estimated $3500. When he called to see where check was, it went to the parents. They cashed it, spent it, and said a big F You, we don't like your new girlfriend. So the kid has a truck he is paying on that isn't driveable. What would you advise him to do? Throw the parents under the bus of course, call the

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