If that is the case, the perhaps now would be the time to dump the car. You can get a trade in value right now and compare that to what you would get otherwise..Insurance picks up that difference.
I know that is not what any of us want to do, but financially it would make the most sense. W/ a 5 month old car perhaps it's lost a few thou$and in value if you wanted to trade it before the accident. W/ the damage, they will certainly offer you way less on a trade. That difference is you bargaining chip.
Honestly, I never really thought about it, but under these circumstances, that is what I would do.
In a case like this is the only reason I would ever consider leasing rather than buying.
This really sucks Bro. So sorry for you.
