Hello, I am Morganna and I am raising funds for a new-to-us vehicle. I was rear-ended at a stop on August 1st and now am finding out that my vehicle is totaled because the frame was bent. I was financing the vehicle (only had it a year with a remaining balance of $16,000) and insurance is only offering half of my loan ($8,000) for cash-in-hand value, which will go directly to the finance company. Then I will be responsible for paying off the rest of the loan and have no vehicle at all. I am a single mother raising two boys and a vehicle is crucial for us to get by as I use my vehicle for all of my income currently.