<prompt> Human: I got into an accident 2 weeks ago that was not my fault. The car was totalled 13,800 in damages and the vehicle is worth 14,500. I wasnt injured in the accident and refused medical care. Im upside down on my loan by about 4,000 and I have gap insurance as the vehicle was brand new. Ive filed claims with my insurance State farm and the other guys insurance Allstate. Im now out of a vehicle and my insurance will only take care of the loan. What are my options on getting help getting a new vehicle?  <response>: Im confused. If the insurance company will take care of the loan, what is the issue? They pay off the car, and then you go get a new car if you need one. You dont get help from the insurance company in getting a new car. If they zero out your loan, it is up to you to find a new vehicle. 