Welcome to My Fico..
So sorry about your car..
Agree with CreditInspired's math..
HUCA Hang up call again!
Stay on both the Insurance Co and Santander. Don't wait for them- be proactive.
When I got rear-ended, I was calling USAA daily and the other drivers insurance (Farmers).
My car wasn't financed but I still wanted to stay in front of whatever..
I had my checks in hand in 3 weeks so you need to be bugging them.
Lastly, I know it sucks but you are obligated to make the payments, even when your car is totaled, until the insurance & everything is settles.
That's how you protect your credit- if you pay and then insurance covers those pmts, you'll be reimbursed.