I've recently had a car accident a month ago, which was the other cars fault. My car is on finance (car loan) and has been for about a year, finance is around 30 grand but now my vehicle is not road worthy and the car insurance company is only offering to pay $12,000? And is wanting there accident replacement car back! Which will leave me with a half paid finance and a broken car? Which leave me with a bill. What do I do? I need help.