<prompt> Human: I owe about 7k on my car, and its fully insured and in great condition.But lets say the transmission fluid suddenly started leaking out. Basically, the car is totalled, but not from a car crash or anything.What would be the next step? I know Im covered in the event of an accident, but what if it dies by itself? Would I need to roll the lien over onto a new car loan?My insurance is through USAA in North Carolina, if that helps.  <response>: A transmission failure is far from a total. If the car isnt too old, it might be covered by the manufacturers power train warranty. If not, you pay to repair it. Thats the cost of ownership. 