been there my friend! only my mother in law wrecked and totaled my truck

take my advice GET AN ATTORNEY!!!! to handle everything, cuz even your own ins company will try or will screw you over.

you ins co has been notified now let an attorney go to work for you and your wife , cuz if they total it they will only pay what its blue book value is and if you still owe money on it thats more than blue book YOU will still have to pay the difference, if you bought GAP ins with your car they will screw you too and only pay a certain amount as well NOT the rest of what your primary ins co doesnt pay like promised from the dealer when you bought the car

just speakin from experience,,,but good luck to you and glad the wifes ok