<prompt> Human: My parked 2014 Toyota was hit by runaway car no driver - they said it must have come out of park on its own? and the insurance appraiser called and said the car is a total loss. I owe about 12k on it because I got it financed from a lease with low payments, and KBB says it would have been valued around 8200 prior to the collision. Im assuming Im only going to get that 8200 from the insurance company, which leaves me with nearly 4000 I would still owe toward the car, and that doesnt even factor in me getting a replacement. I dont have any sort of gap insurance because I simply didnt expect something like this to happen - Im a safe, defensive driver.What should I do? I dont have a bunch in savings, and I personally feel I shouldnt have to pay for someone elses negligence. I know not having gap insurance is already negligent - the irony is not lost.Edit: they came back with a value of 10.5k, so Ill only owe 1.5k, which I have in a week or two thank you earned time payback!. As far as getting a new-to-me vehicle, I dont really WANT to lease a new car, but I also need a car ASAP as my earned time is gone due to starting a new job on 71. Any suggestions?  <response>: Wait to hear what the insurance says - you may get more than you expect, or less. The formula for what they pay out has more factors to it than the KBB value. For your next car, start off with a lower priced car 10k is a good ball park and work on your emergency funds. 