The Car Trauma, It Drains Me

Well, the insurance people called yesterday to tell me that my Geo Prizm is no more.  They are going to give me a paltry sum for my late, paid-off car, however, they will not send the check until I send them the title to the car.

Which I can't find.

I think that I sent it to the state of Missouri in order to register the car when I moved here. I don't remember ever getting it back.  I still have the title to the Ford Probe I owned prior to the Geo Prizm (yes, indeed, I have always driven cool cars).  No clue where that Prizm title is.  So now I have to go to the DMV and apply for a "quick" duplicate title, which will arrive in 7-10 business days.  BUT, I have to be out of my rental car paid for by the insurance company in five days.  Don't you love it?  Why can't they just let you stay there until you find it?  I've been handing them money for nothing for years.  Stingy bastards.