Hello I don’t know how to proceed! My wife had a self-inflicted accident in snow with a guardrail! The accident on a totally snow-covered highway was not so much as a driveway and it was not very fast! It is a comprehensive insured person Astra G The expert now says that the repair costs are higher than the replacement value of the car! That’s why my car has a residual value of 1010€ of the purchase value is according to the expert. I’m saying that I’m getting the car floated again for much less money than the amount the evaluator has estimated at over €4,000! What can I do? I want to keep the car, among other things, because the car is not yet financed! 1000€ are still open! Therefore, a sale for me is not really possible! So what can I do? How must the financing bank (GMAC Bank) behave in such cases? Can the residual financing amount of 1000€ be used? Can I just suggest to the insurance company that the difference between the remaining value of the car is 1010€ and the purchase value is 360€ , i.e. 2590€ , to have it paid out. So that I can repair the car from this money! Because I looked around! The parts I need cost a total of about 500€ paint and I can build most of it myself! On the coach there is also nothing wrong! So I hope you can help me! I hope that I have explained this to some extent well! Summary! I don’t want to sell a car but I want to repair it! But evaluator says it’s total damage, but it’s out of my sight, because only the outer covering is affected! And all other things are still top not spoiled and so on! GMAC Bank there is a possibility to press the 1000€ still or what do they even have to do? What can I offer the insurance?