I suggest that you have a conversation with a local estate planning attorney.

Lawyers on this site are not allowed to contact you directly. You will need to research local attorneys and make a few phone calls.

There seems to be a general preference that the payee and beneficiary live nearby but no requirement that they do so.

I will add that you have no freedom of speech rights as to FB.

I agree with Mr. Rafter but will add that you should only be discussing this with your attorney rather than posting details on the internet /...

This seems to be more of a customer service problem than legal.

Sorry but I do not see a question here so you may wish to repost with additional details and some context.

This is exactly why you have car insurance.

You would have to show it was a loan and I presume you do not have a signed promissory note.

File a claim with your insurance company to repair the damages if any.