<human>: Can you succinctly summarize the text in 1-3 sentences?

Ok, my explanations tend to be a bit long-winded, so.. here it goes. I financed a car through a buy-here-pay-here lot, and have roughly $8,000 left on it. I was recently in an accident, and the GEICO adjuster declared the car a total loss. They are going to pay $5,000 on the car, leaving me with the difference of $3,000.

I did not have gap insurance, and in fact had never even heard of it nor had it offered to me. They are in a big hurry to come get the car and haul it off to the salvage yard.

I work in retail making minimum wage, so there is no way I can continue making payments on a car I don't have, as well as make payments on another vehicle.

The dealership is known for not working with customers on rolling the remaining balance toward another vehicle.

Several people I've talked to have said that having full coverage through GEICO should have paid off the car, and several others said without gap insurance, I'm screwed.

Still others have suggested that I not let them take the car, and try to buy it back from the insurance company.

Honestly, I'm a little overwhelmed and feel like I'm getting the shaft. I just don't know what I'm going to do. I might have to declare bankruptcy.

What would Reddit do?
<bot>: Full coverage with GEICO, they're not paying off the car, and I can't afford two payments plus increase insurance payments. What to do?