I was in an accident on Saturday. No one injured and definitely not my fault. The driver had no insurance and no license. My insurance company will only pay so much for the totaled car. Now we're still owing the finance company over $5000 left on the loan. I had no Gap insurance, in fact Kia in Franklin, nor my finance company even mentioned it. Can anyone give any suggestions on either fighting my insurance or the driver? Any good accident attorney recommendations? I'm freaking out here! I have no car and still have to pay for the car I no longer have!