If your car in Las Vegas is totaled or stolen, you may think that if you have collision or comprehensive insurance, you’ll be completely covered. You might expect that your insurance will cover everything, and you’ll be able to buy another car. That’s not necessarily the case, however. You may owe more money on your car loan than the value your insurance company places on your vehicle. This is a situation known as “being underwater” on your loan, and it’s quite common as vehicle prices have risen and loan terms have gotten longer. Collision or comprehensive insurance will pay you what your insurer says your car is currently worth if it’s totaled or stolen, which may be less than what