<prompt> Human: Hello, I thought long and hard about whether this would be better suited for rrelationships or rlegaladvice but as Im not too concerned with conserving a relationship anf I dont believe theres a legal issue at play, Im curious what everyones opinion on this situation is:So on a day that I had to work, my wife asked one of her friends if she could help her learn how to drive, as my wife had her learners permit at this time. She was uninsured as she did not have a license but her friend checked her policy and she was covered as a permissive user in the state of CA and under her plan. Long story short, my wife started getting dizzy, so she asked to pull over. Her friend and her husband guided her to a liquor store parking lot. She was still a little awkward when she parked so she was told to back the car up a little. In her dizziness, she accidentally accelerated instead of reversing and ended up crashing into the wall of the liquor store. Thankfully, no one was hurt, the damage to the wall was mainly cosmetic, however, the car had some serious damage to the front. So at this point, my wifes friend was consoling her, telling her it was okay, and that they had the most expensive full coverage policy from AAA so it shouldnt be a problem. Her husband on the other hand, didnt seem too calm about it, but kept his silence that day. Afterwards, they let us know that they had a 500 deductible that they needed to pay before the insurance would fix the car. We told them that we would gladly pay it as soon as we had the money, as our financial situation has been a little tight lately. However, 2 weeks go by and we come to find out that they never got the car fixed and instead it was declared a total loss. From what my wife and her friend discussed, apparently the car was bought at a terrible high interest rate 3yrs before her friend and this guy got married. So at the time of the accident, the car loan was in the value of 8500, while the Kelly Blue Book value of the car was only 4500. So very recently, this guy messages me that, as we said we would pay him for the damages, that he considers 3000 to be a fair value for the total loss. However, in the same message, he goes on to tell me that:We had payed for the car more than 13,000. and the cars value was 8000 when it was crashed. The insurance took the car and left us without a car because it was a total loss. The repair was going to be way more than what the car was worth so the insurance paid what was left to be paid on the car loan.This flies directly in the face of what his wife had told us which is that the car was worth 4500, which is highly believable as that particular model depreciated rapidly and they also racked up a lot of miles on the car. However, now hes telling us that it was worth 8000 and that the insurance instead just paid off what was left on the loan. Even if this were the case, what loss have we really put them through? If they had negative equity and the insurance just paid off the remainder of the car loan, that sounds like a net gain to me. Im curious what peoples opinions on that would be, as my wife and I have avoided asking any of our friends as a good number know them and I would rather not blow this issue up more than it needs to be.Assistant: You agreed to pay the 500 deductible. Stick to that. Their underwater loan and car depreciation and insurance negotiations are not your problem.Human: Thing is, Im not sure they ever paid the deductible. I asked him several times if he ever paid the deductible and he just continues to deflect that the repair was going to be too expensive. Im supposed to meet with him tonight so Ill make sure to ask for documentation for the deductible. Even with the deductible, it still seems that he made a few thousand dollars off that loan forgiveness though...  <response>: On a totaled car he does not have to pay the deductible. What issuance will do figure what the value of the car is and then just take 500 off of it.In this case Insurance determined the car is worth 4500. The Deductible is 500. Insurance will cut him a check for 4000. You owe him 500 to make up for deductible and make him whole on that part.As for them being underwater on the car that is their problem. They should have gap insurance to cover that. If now well they are SOL. 