<prompt> Human: As stated, I financed a car in 2016 that was written off earlier this year. It was a luxury car, 3 years old, so it was on the more expensive side for me AND I added additional warranties as well.I was not at fault for the accident, and while it makes sense to me that nobody is going to pay you back a million dollars for a car worth a thousand just because you financed it, I really got screwed. I got hit, lost my car, and have to pay for it lol.So now I have a dilemma. I still owe over 5k for this car. I still make the same payments every month and cant afford to buy a cheap vehicle outright. I cant catch up. I was told I could add a vehicle to the finance and the amount should remain the same, but obviously Id be looking at cheaper vehicles than what I had. I dont know if adding a vehicle to the finance is the right choice but at the same time I cant replace the car any other way because of what I owe and NEED a vehicle for my job.Im not sure if my credit score makes any difference, but its decent I think? 680 but utilization is really high. The amount the insurance paid the finance company hasnt shown up on the credit report yet, so I dont know what it will be after that payment. Im told I can refinance the loan, lower the interest and monthly payments, but lower monthly payments seems detrimental as itll take me longer to pay it off. Correct me if Im wrong.Edit: I was told there was no gap insurance. I dont know if this is done through the insurance company or the finance company, but I got FULL insurance coverage, rental car and all and they told me there is no such thing. So I asked the finance company maybe its on their end when you finance the vehicle and the told me that wouldnt have been possible, that they dont know of anyone in Ontario who does it. Does anyone from Ontario or Canada know anything about this? Ive researched Gap insurance and know its a thing, but it didnt seem to be available to me here.Any help? Thanks.  <response>: Before accident: You had a car worth X, and a loan balance of X 5k. You owe a net of 5k. After accident: You have no car worth 0, and a loan balance of 5k. You owe a net of 5k. This is what gap insurance is for. 