No, the lender has no duty to you.

Car deemed a total loss and a new car isn't an option, help

Options as to what? How to get another vehicle? What they want to pay for yours? If the insurance company declared your vehicle a total loss...

Attorney client privilege?

There would be no attorney-client privilege. Possibly settlement privilege. Hopefully you got the settlement agreement in writing.

I don’t know what to do on my accident ?

It sounds like you may have a decent case. You should call an attorney, any one of us will give you a free consultation.

CAR ACCIDENT, LOW BALL OFFER, SURGERY?

Insurance companies are usually not overly impressed with just a recommendation for surgery unless that is backed up by their own medical expert....

What can I do as a pedestrian who suffered major injuries from a hit and run accident where the driver is unknown???

You may be able to seek some compensation from the California victim compensation fund. You may look into unreasonably dangerous road conditions...

Whos fault is it ?

Because that is what they do. The other driver also probably denied not having the lights on.

Recategorizing this under employment and labor so it is seen by those attorneys. It sounds like these people may be employees, not independent...

I was in a accident I don’t have Insurance.

You may get fines and penalties for driving illegally. Your license will probably be suspended until you either pay the debt or file bankruptcy. ...

That depends on the terms of your agreement with the general contractor and whether the owner posted a notice of non-responsibility.