<prompt> Human: Hey guys. I just moved to Baltimore from Atlanta. Within two months of my stay in Baltimore, there was a burglary in my house, in which they also managed to steal an extra key to my car. I was out of town when this happened, and when I came back to Baltimore, I did not notice the extra key missing. They had stolen my bike, TV and many other things so I was more concerned with those things. A few days later, I woke up to find my car missing. I posted this to rBaltimore in hopes that someone might find my car:I did not have comprehensive coverage, so my insurance was not going to replace my car. I was pretty down in the dumps and had given up all my hopes of finding the car. However, I got a call from the city police a few days ago and they informed me that they found my car, but that it was involved in a wreck. The insurance will not pay for the collision either. If I had been in the car or if I was the driver they would pay the liability, but since it was a stolen car first and foremost they will not pay for fixing the car. To make matters worse, I still owe 10K on that car to my bank. I got an estimate from a mechanic, and it is going to cost around 10K just to fix the car. I can not really sell the car to the WeBuyJunkCars folks because I do not own the title of the car. The bank does. At this point, I am just wondering what I can do to make my life a bit more pleasant. I dont really care about not having a car. I work close from where I live so I dont really have to rely on a car. I am just not sure if it is worth fixing the car. I do not have 10K lying around to pay for the car, so I will likely have to take out a loan. I would be grateful to you for any suggestions. EDIT: As suggested by few folks I talked to my insurance agency and finance institution. The bank apparently does require a comprehensive coverage, however, the bank is not listed as a lienholder in my insurance policy. This is apparently, why my insurance company never enforced full coverage on the car. Assistant: How do you not have comprehensive on a car you still owe money for? That seems like the first HUGE mistake.Human: In hindsight, it is a HUGE mistake. In Atlanta, I guess, one does not really need a comprehensive insurance even if you owe money on the car. In Maryland, one does need comprehensive for a car you owe money on. I just did not check, in the midst of moving and settling in to a new place.  <response>: Whether its required or not, YOU decided to NOT insure for that possibility. This is the cost of not being insured. You took on this potential liability when you decided to not insure, so you are not entitled to an insurance payout. 