<prompt> Human: So as the title says, the other driver admitted fault and it is in the police report. He had a policy from some hole in the wall insurance place Lousiana state minimum and they are lowballing on the value of the vehicle 05 Nissan Murano S. She still owes more than the vehicle is worth, approximately 2,500 more. I told her to get her insurance involved to hopefully lean on the other company, and we are waiting to hear back.My main question is: Should we get a lawyer involved since this guy is being a douche?My second question is: Will the vehicle be completely paid off to the finance company?My last question is: What else should we be doing to minimize the disruption to our lives? Is there any chance of trying to get any of the money she paid into the loan back? TL;DR - Dont be an asshole and carry enough insurance to not screw other people lives up.Update: It turns out there is GAP insurance on the vehicle. The insurance company is offering 5615 to release the vehicle to them, or 2300 if we keep the vehicle as salvage. How would this affect the GAP payment?Update 2: Finally found the info online, thanks everyone for all the advice  <response>: Louisiana state minimum is 25k. A 2005 Nissan Murano in very good condition mighte be worth 5k. His cheapo insurance is not the issue. That your fiance owes more than the car is worth is not the other drivers fault or problem and wont affect the payout. 