<prompt> Human: I started writing this post with a wall of text giving a background, but I realized most was irrelevant. I think it was just my way of venting my frustration with my situation.Anyway, long story short, my dad totaled a car yesterday that is under my name, that he pays for every month. Hes avoiding giving specifics, so Im not sure if it was his fault, or the other guys fault. Im not even sure if there was another party involved.The car was a Lexus that was originally leased in 2014, which was converted into a purchase last year in 2016, and theres still a balance of 32,000. The cars MSRP was 32,000 back in 2014. Thats right, you read that right, because of series of bad decisions from my dad he technically I, since its my name on the contract, not his still owes the same amount as the MSRP.My dad spoke with the guy towing the car, and the guy claimed that since it was a Total Loss, we likely will no longer owe Lexus any money. Which sounds like total bogus to me. Its starting to feel like my dad is prepared to avoid paying anything for this, as he already has a mountain of credit card debt hes dealing with. Which leaves me with the problem.Im assuming I can mitigate the damage on this by reaching out to either my dads insurance or the other party of there was one involved. Are there any other options for me? I was never the driver of the car, even though its under my name, so does that count for anything?Edit: Car is under my name only, but insurance only has my dad on it.Edit2: I dont know if my dad has GAP insurance, but I asked him about it and he didnt know what it was, so Im assuming he doesnt have it.Edit3: Yes, this is an expensive lesson learned... Believe me, I was against this from the beginning, and always thought it was a bad idea. But it was my dad, and he was begging me, so I did it knowing it might come to this. And here we are...Advice to those whose loved ones want you to co-sign or lend them money: do it only if you can accept the worst scenario, but its better to say no and have them hate you temporarily hopefully than possibly or likely ruining your relationship with them if the worst scenario does happen.Assistant: This is all an insurance problem at this point.How much youll owe will depend on whether you have gap insurance, what your deductible is, whos at fault, and some other possible aggravating factors IE, if he was DUI, you might get nothing.Whose insurance is responsible will also depend on in whose name the car was registered, titled, and insured.Regardless, time to round up your dads insurance and your insurance and start making some phone calls.Human: Whats the best way to handle this? My dad claims its the other guys fault, and there is a police report, but he needs a lawyer in order to get all the money that is owed from the other guy, is that true? Or is it something like calling the other guys insurance company and starting a claim?  <response>: Either you or your dad had to have had insurance on that vehicle its almost certainly a condition of the loan.Call that insurance agency. They will then subrogate the other guys insurance. 