My car was financed and the due was 15.7 k. My car insurance is telling me they they're going to pay 10k for the car and I've to pay the rest to the financing company. When I asked can the insurance of the guy that hit my car can be used, he said even if they use it they're going to pay the actual value of car and not my loan amount. Is this true? Should I settle for what my insurance company is paying or is it worth to get from other guy's insurance?