<prompt> Human: Hi.Went into the dealership with:Nissan Rogue 2012 Excellent Condition 22k left to pay 36k miles put on the car mostly highway in 1 year and a month. 400 a month payment plan. Needed service and was 2 days away from next 400 payment. All services were done on the car. Figured I could trade in to improve my financial situation Im an idiot. Dealer told me I was 10k underwater because the car is worth 12k although I think that number was just a barebones estimate.Left with:2014 Nissan Versa Note 0 miles 20k at dealer mark-up 16k MSRP sold at MSRP Now 28k in debt after putting 4k down 380 per month 3.5 APR although Ive learned now USAA can pay off and offer me 3. Basically paying 32k for a 16k MSRP car. Upside down by 100.Notes:Loan is not finalized for some reason.Got in a car accident just yesterday. Still within 30 days grace and USAA assured me it was covered. Rate was reduced by 50 a month with the new car but will most likely go back up with the accident.Regretting getting taken advantage of yet AGAIN by a car dealership. Made it very clear in the beginning my intentions were to improve my financial situation but of course Im an idiot and moved forward thinking it was a good decision.Coming here hoping for good advice as Im an idiot when it comes to dealing with anything related to cars. Learned later on I could have went through USAA and gotten a guaranteed 3k off of MSRP which showed me how fucked I wasam.I can cope with my mistake but I need to know what steps I should take next to make the best over this atrociously horrible car deal.Talking with USAA about moving the loan to them.I made a huge mistake because Im an idiot with cars and hoping for good advice that can help me learn more from this steaming pile of shit of a situation.  <response>: Im not sure what your question is. And just to make sure I understand your situation... you owed 32k on a car worth 16k and you just totaled it? You want to know what to do now? 