Auto Insurance-related question

We are a small and new Auto Loan Lender and a few months ago bought a loan. We are the only lienholder on the car title, but not on the insurance policy, because the buyer forgot to add our name on his insurance policy as a loss payee or as a lienholder.

After an accident, the car was totaled, but the buyer can not be found – neither the insurance company nor we can’t find him. He is an illegal immigrant and may not even be in the US.

The insurance company refuses to pay us – the lender – even though we are the lienholder at DMV records and in sales contracts.

      
What can and should we do to get paid by the insurance company as the lienholder on the car?     
 

Please advise.     

Thanks.

Leo at Garman Financial