<prompt> Human: I was in an accident last week and my car was deemed a total loss. The insurance company valued it at 10,000 and is paying that out to the bank but I am left owing 3.5k on the loan still.In the meantime, I now have no car and no way to get to and from work. Is there any way or process to take with the bank where I can get them to finance me on a new car and rollover what I owe on the totaled one to pay off as part of the monthly balance? What steps should I be taking to get myself back on the road? Without a car I have no way to work and that clearly helps neither me nor the bank, since I cant pay them if I lose the job. Also I know, I shouldve had GAP insurance. I had no idea this was a thing and had never heard of it until today and its obviously too late for that  <response>: You can roll the negative equity into a new loan if you absolutely need a car. 