My vehicle is still being financed, Kelly BB value is 21,600, I’ve only had it for 2 weeks until I got in a accident where the airbags deploy and there might be frame damage. What happens if the other persons insurance company declares it a total loss? I heard that they will pay off the vehicle and give me whatever is left? If that’s the case then nothing is left!!!! Because I haven’t even made my first car payment yet. I only had the car for 2 weeks! Am I going to at least get my down payment amount?