Hello everyone
FI got in a 25 car pile up today and it looks like our truck it totaled

luckily everyone is ok and no one is seriously injured. The exit ramps turned into a sheet of ice within 30 mins. Funny thing is, when we were on my way to dropping me off to work, a black cat ran in front of us :-/
The car was a leased vehicle, so we are trying to figure out if we would have to pay another down payment for a new vehicle (we plan on buying this time) or if insurance would handle that? I know they will pay off the loan for the car, but we are hoping not to have to pay another down payment.