I was hit from behind yesterday whilst stationary on the motorway, and it looks like my car will be a write off, thing is I have around £12,000 still owing on the car but the car is only worth £3500.

I am fully comp insured with legal cover etc and the other driver admitted she was at fault.

Would the finance be written off now or would I still be left with an outstanding debt?

In which case am I in a position where I can sue the driver at fault for any outstanding monies owed to the finance company?

I've never had to claim before so dont know my rights and dont want to be screwed over by my insurance company and end up worse off then before this happened as it wasn't my fault.