clearly you're an idiot who doesn't know how insurance works so let me spell it out for you, because i can't believe you have the audacity to accuse me of stealing money when you don't fucking know me. i have a $2,000 deductible which is the money i have to spend for repairs before insurance pays for the rest of them. they're totaling the car out and not fixing it because of the damage. so they're going to give my lender the car's value MINUS the $2,000 that i still have to come up with to pay off the loan, $2000 that i DIDN'T HAVE because i put a down payment on this car i'm losing. i can't AFFORD TO FIX IT MYSELF because i don't have $17,000!! hence the emergency. now get bent 🤍