Totaled car due to another drivers negligence

On September 29th,2020, my boyfriend and I were driving back from the grocery store with our puppy when we were suddenly met with a huge collision that sent us spinning across the roadway and into a crowded parking lot. It turns out the driver had slammed on the gas pedal and T-boned us coming from a midsection while trying to cross the road. After the crash, the driver did not apologize but he just simply stated"I didn't see you". The driver proceeded to call his insurance and tell them that he was "100% at fault for the collision" and at the time his insurance agreed and took full responsibility for the cost of repairs on the car and our injuries. However, now we are being told by his insurance company that his car is considered a "total loss" because the damages exceed the cost of the car.

The insurance company is refusing to pay for repairs and wants us to take a small payout that does not cover the cost of a new car and would not be enough to pay off the remaining amount of the car loan that we are still paying monthly on. This leaves us with the responsibility of either finding a cheaper car that is of very low quality or buying a new car with an increased monthly amount because we would still be paying off the monthly payment on the totaled car in addition to a monthly payment on a new car. This is completely heartbreaking for us and unfair when the other driver was determined 100% at fault by the police, himself, and his insurance. we should not have to be further inconvenienced after dealing with the emotional distress and the financial impact of this accident.

My boyfriend has missed several days of work due to his injuries and my anxiety has been exacerbated to the point where I am now on medication. In addition to this, my boyfriend's job has implemented a new payroll system that has caused his checks to be short for the last two pay periods which puts even more stress on our financial situation. We also have no concrete timeframe of when any of these issues will be resolved, we would really appreciate any amount of help that you can give and if you can not donate, sharing our story would be just as appreciated. We would ideally like to be out of this nightmare by the end of October, and again..any amount helps.

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