My Chevy car was totaled by drunk driver. I’m ok. If I get a new car would Chevy credit the years that i paid on my car?

This is a insurance issue and a problem that you have to legally go after the drunk driver for damages.

That's a finance question not a Chevy question.

In general the at fault person's insurance will offer the blue book value. No matter what financing you get they always seem to be underwater until one year before they are paid off. You mentioned "years" so the market value of your car was below the loan balance. That's a price of taking out a car loan. Demand that the insurance company pay off the entire loan. It probably won't work but they will at least cover some.

Next look up your own insurance and see if you had the sense to by gap coverage. That's to cover the difference if the car is totaled while the loan is still active.

If you didn't buy gap coverage, get out your checkbook to pay the difference before you can get a car. In other words always be sure to get gap coverage unless you've got the money in savings.

Hi no as the old car needs paying off first.

Have you been drinking?

It is not an issue for Chevy. You need to talk to your insurance agent about getting your loss compensated to you by the at fault driver and their insurance.

Did you happen to have GAP coverage on your insurance? If so it will pay off any balance due after the at persons insurance pays the lender fair market value on the vehicle. If not it will be your debt to pay off.

NO. Chevrolet has NOTHING to do with your car loan. You SHOULD have insurance to pay off the balance of the loan when your car is "totaled". If your insurance doesn't pay the complete amount, you're on your own.

Chevy is out of this. It's between you and the insurance company.

Your claim would be the market value of the vehicle. Go to Kelley Blue Book, www.kbb.com. Put in all of the info about your vehicle. Get a retail price, add sales tax, add title transfer fees.

You use the car insurance money to pay off any loan or lease remaining on the vehicle and the buy a new ride. I can't understand why you think the car manufacturer should give you any credit for buying their vehicles in the past.