My brother had a car accident last week. He ran off the road to avoid hitting 2 dogs. It blew out two tires, there were no dents in his car. Though the insurance company has totaled the car.

He bought the car used and was still making payments. The insurance company is going to pay $2300, though the pay off on the car is $8000 it is a 2000 Neon.

The car lot is a buy here pay here place and they do not carry gap insurance on their cars. That leaves him to pay the remaining $4700 and he has no car and no money for another car.

What if anything can anyone suggest that he do about this situation?


Update: May 16, 2008.
Thank you everyone for responding. My brother has only had the car for 6 months, he is a single father and has no money to buy or even put as a down payment on another car. I have never seen or heard of a car being totaled without having any body damage. I have heard that a car is considered a total lost if the frame is broken or damaged beyond the book value price of the car. I am thinking the car was like that when he bought it because it has had an oil leak that the car lot repair guy couldn't seem to fix and a cracking sound when turning. There is a big difference between $2300 and $8000. Thank you all, you have offered good advice.