Sorry to say this but they are not going to pay the loan off. I'm a claims adjuster. They will pay what the car is worth. Not a penny more or less. Just because you're upside down in a loan is not the insurance company's fault. If you do get a lawyer they would actually prefer that because they won't have to deal with you regarding the matter anymore. Generally a lawyer will not represent you for just property damage anyways. I'm not trying to be an ass just trying to inform you. If you have n e questions let me know and ill try to help.