<prompt> Human: After a night out with friends Thursday night, I hit a very fat doe. I was so shocked as to what happened that I froze as I sat on the side of the road, luckily my brother had driven separately and stopped to make sure I was ok. We checked the car, saw the damaged, I said my profanities and then called the police. As the deputy was filling out the report, the car slowly died. It wouldnt start. I had to get it towed. So my question is, what now? I have full coverage with Allstate, and an adjuster is coming to check out the damages. It doesnt looks like much it definitely did something under the hood if it died. Fluids were also stream out. My father, being an long time mechanic, assumes they might just scrap the car seeing as how the value of the car is so low. I have a 2010 Honda Civic. I bought it 2 years ago for 12k. Considering the mileage on it now, Kelly Blue Book says its worth 5000. What does this mean for my car loan which I took from my bank? I still owe 8000! I dont know what to do. Should I call my bank and tell them what happened? What if the adjuster ends up giving me a check for 5000? Im obviously just giving it up to the bank, but what about a new car? Im so nervous. And last night as my parents were helping me figure things out, I needed to step out because I was not feeling well. Can anyone give me some advice on what to do?  <response>: Do you have GAP coverage? Your insurance owes you the fair market value for the car. Your loan balance has no bearing on that. If you have GAP insurance that will cover the gap. 