<prompt> Human: Hey guys, So let me start off by saying that I have a 2013 kid forte ex that I owe 8000 on. The kbb value is 7000. I got rear ended two days ago and the other driver is at fault. My car is completely totaled and since I have liability insurance what happens now? I need a car by this week so I can go back to work, but I dont have a lot of money to put down on a car. Should I be looking to buy a new car? What are my options? And what does liability insurance mean for me when the other driver is at fault? Thank you so much guys  <response>: Its not your fault and their insurance will pay the market value for your car. If you have a loan through a bank you are required to carry full coverage. I would see if they have a secondary policy in your name. 