<prompt> Human: My car was hit a few weeks ago while parked outside, completely other drivers fault. They have Farmers Insurance who informed me today that it is a total loss. Now they are saying they will pay BMW who i am financing the car from the remaining payment left on the car and thats it. So some guy hit me and I am left with nothing, no car or compensation for a new car?Edit: Car is 2011 Nissan Altimas S in Georgia over 100k miles . Have 7.5k left to pay, you guys are correct it is not worth 13k more around 7 or 8k. Financing it through a BMW dealer. So if it is worth 7.5, which is what Farmers must be valuing it at since they say they will pay off the debt is that it? I got hit so now I am left with no car to drive, and yea I have no debt now as far as cars go, but Ill have to make a new down payment and start making new payments toward a new car to get to work so Im screwed here. I just dont understand how I get hit by someone else at fault and I pay for insurance and Im left without a car now and no compensation other than my totaled car being paid off.Assistant: Its not your car - its owned by the finance company BWM financial, it sounds like. Youre renting leasing the car from them for a pre-determined about of time, their car was totaled, so the insurance company is reimbursing them for the value of the car. Theres nothing for you to be compensated for.EDIT: OP responded further down that it is NOT a lease, it is financed. This is a different situation, and will come down to how much insurance is valuing the car at and how much is owed on the car.Human: So all the payments I made towards the car are worth nothing now? BMW gets a check and I get nothing and am now left without a car because some guy hit my parked car?Assistant: Yes, thats what leasing is - you are paying to rent the car. The car is not yours. All the payments made towards the car werent for nothing, it was for the luxury of driving a brand new BMW.Human: Well, not a brand new BMW, a used Nissan Altima Im leasing thru BMW dealer. But I will most likely try to go through my insurance Allstate and try to get a better settlement.Assistant: Wait, youre leasing a used Nissan through BMW financial? Not unheard of, but very unusual. Are you 100 positive its a lease? Human: Im an idiot, sorry. Financing it through BMWAssistant: OK, that changes everything.Human: So what do you think of the situation now? Should i go through my own insurance Allstate? And is it wrong for Farmers to just pay off the rest of the car to BMW and be done with it?Assistant: What is the value of the car currently, what do you owe on the car, and what are they giving you for a payout?Human: I believe the value of the car is around 13k before the accident, I owe 7.5k and they said theyre not giving me anything but they will just pay off the BMW dealer whats left of the car.  <response>: check the KBB value of the car. You should get the difference between that value and what you owe to the bank BMW financial. so if the car is actually worth 13k and theyre only offering 7.5K, they are screwing you to the tune of 5.5K. Explain this to them and if they refuse to cut you a check for the difference, then threaten to lawyer up. If they still dont pay you then actually lawyer up and sue them for the difference your lawyer fees your time. 