First, he had an accident. Then his insurance lowballed him. What can you do?

When Josh Lisman's 2018 Audi was involved in what seemed like a minor fender bender earlier this year, he expected a simple repair.

Instead, he got a harsh lesson in how some insurance companies handle totaled vehicles.

"There was one car parked in the street, and I hit it," Lisman told us, pointing to the accident location.

What Lisman thought to be a straightforward fix turned into something much more complicated. The repair costs were so high that his insurance company declared the car a total loss.

"I didn't think there was that much damage, but apparently there was," he said.

But the real shock came next: his insurer offered him just $14,000 for the vehicle — thousands below its trade-in value.

"I thought they were kidding!" Lisman said.

Watch a driver describe how he was lowba