A: In terms of a total loss vehicle settlement, you are entitled up to the fair market value of your vehicle. You're not entitled to anything more than that - meaning you are hosed if you didn't buy gap insurance. It's a hard lesson. It's possible the same dealer will let you roll that into your next loan on a vehicle purchased through them. But, be sure to buy gap insurance this time.
A: More information would be needed to fully answer this.
The most critical question here is: were you at fault for the accident, or was someone else?
Other critical questions include:
- does the at-fault party have insurance
- do you have liability insurance
- do you have UIM coverage
- is the vehicle covered under any UIM policy
- does your girlfriend have UIM coverage
There's no way to give a comprehensive answer without this information.
A: There's a lot to unpack here. You want to call a personal injury attorney. You'll want to see what insurance policies are out there to pay for all of this. It's worth your time to give a personal injury attorney a call.