Is it legal for the lienholder to charge me for the damages on the car when in fact the damage was already existing when the lienholder became one?

I had a car that was involved in an accident which sustained some degree of harm. I took it to a car title loan company where a defendant assessed it and gave me a title loan. After 2 years it become unbearable for me to continue paying on it hence I surrendered the car to them. Then they submitted a collision claim to my insurance company. What can I do? Thanks