Someone totaled my car and I need help understanding

Someone totaled my car and I need help understanding I was rear ended and my car still drives but it has frame damage and is smashed in the back. I was financing it, with 8,000 left on the loan and the other driver's insurance (Viking) valued it at less than that amount, money which I understand goes straight to my lender, then gap insurance pays off the rest. The thing is, the car still runs and ...

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