Thank you for your question. Assuming your vehicle has been declared a 'total loss,' the cited party's insurance company will pay the lessor of either the value of your vehicle (which takes into depreciation) or the limit of the coverage purchased. If what you owe is equal to or more than the value of your 'totaled' vehicle, all funds from the cited driver's insurance company will go to your 'totaled' vehicle's finance company. If what you owe is less than the value of 'totaled' vehicle, the cited driver's insurance company will finish paying your 'totaled' vehicle's lienholder, and the reminder of the funds will go to you. You may have additional coverages in your auto policy that may apply. Please check with your insurance company. Do not rule out legal help, if it is necessary.

Since your vehicle may have been 'totaled' and you may be in the market for new car insurance, you can shop for affordable auto insurance here.