<prompt> Human: Hi rpersonalfinance A friend of mine was rear ended recently waiting at a stop sign. The chassis was bent so the car has been declared totaled.He was leasing the car I think its a 2013 or 2014 Nissan Altima, but the lease was up in August, and he was offered to buy it out. He chose to do that prior to the accident and had to finance it. He says he owes about 21k between the principal, interest, and warranty.The insurance co is offering to settle for far less than that about 12k. He hasnt taken their offer yet. With the insurance payout, and once he cancels the warranty, and subtracts the interest, hell still have a few thousand left to pay on the car.He needs his car for his livelihood, and right now is basically a few thousand in the hole with no car.This is in NYC. I dont drive, have never owned a car, dont know much about insurance, etc so thought I would ask here. Thanks for reading.Edit: Thanks for the responses. For those curious, no gap coverage. TLDR: Hes screwed.  <response>: The insurance will only pay what the car is worth. Its not their problem that your friend rolled interest and warranty into the loan and is now underwater. Once the bank hears the car is totaled they will want the full loan paid back immediately since theres no longer collateral securing it.Whats the blue book value of the car at the time of the accident? 