I had been involved in a accident last month I have a 2017 Ford Mustang and I was rear ended by a pick up truck hauling a tractor. His insurance deemed my car a total loss but I don’t have enough money to purchase a new car because I will still owe on my loan. If I accept the settlement check I end up with no car and still owe $5000. Is there anything I can do why when I wasn’t at fault the truck hit me I end up with no car and no money to buy a car. It doesn’t seem fair.