<human>: Could you distill the essence of the text into 1-3 sentences?

Hey everyone,

After I stopped behind a car during rush hour a driver behind me hit me and totaled my car. The structure of the car was bent and ripped so it is deemed un drivable. It was written as her fault. While that happened I found out that my insurance ran out last month and I got cited for that. I havn't paid the car off yet, in fact; its new as of July this year so there is a lot to pay off.  

Im afraid that I wont get the full amount back and that I also wont be able to get a new car from the total or that ill have to take out a loan. 

I also found out that when I get new insurance that I wouldn't be able to get help from them with paying the car off.

Should I look into getting a lawyer to convince her progressive insurance that I deserve the car to be paid off? Also im a freelancer in film so I need a car to work since we tend to work in new places every day.
<bot>: Totaled car not my fault but I dont have insurance and my car isnt paid off. How can I best get this situation handled to get a new car for work.