Hello there, I had a really bad road accident one week back. I was driving a 2008 Nissan Altima with 4 other passengers. The car's totaled but everyone's safe. I need advice w.r.t car insurance and how things will work out from them. Finance: The car was bought from a Nissan dealership with financing through their corporation itself. Insurance: Their initial estimate is that it's totaled but I am awaiting their final response. Car details: It was a new Altime bought in Sept 07. It has 7000 miles on it and was in excellent condition before the crash. What I don't understand/am confused about: They will determine a market value for the car and pay off my loan. I don't have Gap insurance. In this case, I will be responsible for the remainder, if any. Yes/No? They will help me get a new car. Is getting a car of the same make the best option, financially speaking? I would love to stick with an Altima. Since they are going to replace my car, will the car insurance give me the entire money for the car? eg. a new Altima costs $20000 and their estimate is $21000. Will they buy the car for me? If so, what do I owe? I have never been in any accident and have never dealt with car insurance reimbursements before. My apologies for stupid questions. Any other ideas/suggestions/concerns will be helpful. Thanks for your help.