This is a manageable situation depending on how long you have had your new car, how many miles were on it and how willing the dealership and insurance company are to work with you. Assume you’ve had your brand-new car for two months and it only has 1,100 miles on it. It gets totaled. You want another car just like it. Oftentimes the insurance carrier will work with the dealer, who definitely wants to sell you another car to make the deal work. They might just substitute a new car for the wrecked car on your loan, and you carry on. But like most things involving insurance companies, the law, and life, nothing is certain.