i was in a car accident, not my fault.this was a multiple car accident and nobody is taking responsibility until the police report comes in. my insurance company is handling the repairs to my car and is going after the responsible party. i was just told my car is totaled. i am upsidedown in my car and cannot afford to have them total it. what can i do to get my car fixed since it was not my fault and the reponsible party will end up paying for it anyway. i have been paying on my car for 3 1/2 yrs now and it gets 33 miles to the gallan in gas. this car is worth more today than what the blue book value states. i need my car fixed. please tell me my legal rights and what i can do to get my car fixed at the responsible party's expense.