Hello! I hope I’m right here and describe my problem!I had an unindebted accident, whereby my car(Fiat Stilo Kombi Bj2003) suffered a total damage! The car is fully financed and the loan is still running for 4 years. Residual debt approx.8000€. My EX girlfriend vouched for the car and since we still understand each other very well, I pay my installments every month.I have now commissioned an expert and see what he sets in value. Can I use the money from the insurance company to buy a new car and continue to pay the instalments or ask the bank to replace the loan, because there will be a residual value of the vehicle and to sell the scrap car, I need the letter. I would like to use the rest and scrap value to buy a new vehicle and continue to service the loan, but the bank has no more security except my guarantor! Thank you for your help!!!