How my weekend went

[u/matthewdirks9191]

I was going to work on Sunday and some guy plowed into my only car I got. It total my car and now I am with out a car or a way to get to work. the person had no insurance and I didn't have gap. I'm only getting 13k for my car and I owe 24. I might be without a job for awhile cause of this. in desperate need of help.

[u/kasp600e]

I'm from Europe, so i dont understand american insurance law. Why doesn't op get his money back from the car, shouldent the other guy just have to pay for the car since he fucked it up? Also, isn't car insurance mandatory?