Since title to the vehicle was never transferred to your daughter, you are still the registered owner of the vehicle.  As the registered owner of the vehicle, the entire settlement from the accident should be paid to you.If your daughter had been at fault in the accident, you as the registered owner would be liable  for property damage (cost of repairs) and the personal injury claims of the occupants of the other vehicle even if you were not present at the scene of the accident.  Therefore, since the registered owner is liable for an accident, the registered owner is entitled to and should receive the entire settlement payment when the driver (your daughter) is not at fault in an accident.If title had been transferred to your daughter, she would be the registered owner and would receive the entire settlement for an accident in which she was not at fault.