“While this is a terrible situation, there isn’t much your aunt can do without gap insurance.
Your aunt should confirm that the price the other driver’s insurance company is offering is fair. There are various websites that she can check to confirm the vehicle’s value, such as Kelley Blue Book. If the insurance company isn’t offering a fair price, she may be able to negotiate a higher payout amount.
Beyond this, she can see if she has the ability to keep the car and repair it. This would have to be negotiated through the insurance company, and she may be required to register the vehicle as salvage.”