Do I get nothing out of my accident?

Question Details: I was in an accident for which I was not at fault and my car was totaled. The insurance company is telling me that I would still owe $200 on my loan. No one was hurt but my kids had a hard time that first week because they didn't want to get in the car. I lost some time from work. Now I have no car or money to down on one. I'm going lose my job if I can't get something out of this.

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