Oh, I was so ticked.
DH and I were married just a few years. We had a plan for only having 1 car payment. His was paid for, but getting older, and mine was almost done w/ the 4 year loan. So, we were going to pay mine off, buy him a new car. Then, when his was paid off, we would replace mine if needed.
My car was a Pontiac Sunbird - just about 4 years old - nearly paid off - in excellent shape, low mileage, no problems. I'm minding my own business at a stop light when some guy plows right into me without seeing that both lanes of traffic were stopped, about 4-5 cars deep at this light. He was drinking a coke, had his head tipped back & didn't even try to stop. Pushed my car into the one ahead, so it was the middle car. Totalled.
Then I had to buy a new car (another Sunbird but it wasn't as good as the old one), and we had to lease a car for DH as we couldn't afford a high payment for his. That got us stuck in a lease cycle for years before we could break out of that.
The insurance took care of everything - gave me a check for the car. I used it to buy a new one. No issues w/ the insurance company at all. I was panicky for about a year any time I had a more sudden stop or a stop at a light in heavy traffic.