The situation is that you never had good title to the vehicle. It's not now and has never actually been your vehicle.
The original owner has probably had his cash from his insurance comapny so he's out of the picture. So the vehicle is now owned by the original owners Insurance company.
I imagine your referring to being able to claim a return of premium from your insurance company because you were never on risk for the specified vehicle....possibly ...worth a try.
So where do you stand? Well if you can find the bloke who sold you the vehicle you may be able to recover (ie sue) your money from him....best of luck.
Otherwise you've lost the lot.
You may be offerred the chance to buy your vehicle from the original owners insurance company.
Sorry not much comfort there.
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