Car surrender

Hi, may scenario lang po ako right now. This is the context, I have a car po, Toyota Raize G and naka loan po ako to TFSPH for 5 years and 1 year palang po paid ko.

Then life hits, may emergency kami na need bayaran and hindi ko na kaya ma cover pa yung remaining years. Should I surrender ba agad the car? Or okay lang mga ilan months (without paying for the monthly ammortization) bago i-surrender? Hingi din po ako any advice about surrendering it or my situation? Thank you po.