So, I should hear from the insurance company later today. If my car is totaled I should be able file a claim with my insurance company that covers my loan. They will pay off the loan. (little over 18,000.00 USD ) and then the other insurance company will cut me a check for the value of the car. (12,000 - 15,000 USD) So...
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qpidcock:
Was on my way to work, had been raining & some farmers had drug mud out onto the road. I hit the mud; went for a spin got it almost straightened out but hit some more and spun the other way & slid off the other way. Straightened it up again and was going back on the road but still sliding to the side and the driver door hit a tree & a fence. 
avrora:
damn im so sorry :( drive safe!