<prompt> Human: So from what I hear, on Saturday evening my buddy went for a drive to dinner with his friends. He was in the right lane and the person in the left lane made a right turn. The other driver didnt see him and my friend tried to stop and turn as well but wasnt able to avoid a crash. The cops came for a report and the car was towed, but the tow driver said that he thinks it may be totalled buy will have to see from a shop. So the residual and loan payments may end up being more than the car is worth so I would assume that the insurance will probably pay out at most the value of the vehicle. So a few questions, Can we argue the value of the car if we think the insurance is paying out too little? Can we go after the other driver for the balance of the lease or is he screwed for the balance? We are in NY so its a no fault state. Is there anything else Im not considering? Tldr: friend may have totalled car. Probably not at fault but live in no fault state. Need advice.  <response>: 99 of leases have gap insurance built in for this exact reason. I mean technically a lease is similar to a rental so the car companies like having it built in. I would check but he will probably be fine and will be able to walk away with 0 owed or 0 back. 