My vehicle was totaled and

My vehicle was totaled and my insurance has contacted my leinholder for payoff. What the insurance company value is 22050. and the payoff is 26500. They said when lein holder sends a letter of Guarantee to them the vehicle will be deemed paid off and title will be released to insurance company. I have no other vehicle and need to purchase another one. My question is am I liable for the difference in payoff? I can not afford to keep paying on a car I don't have and a new note too.