<prompt> Human: I had, since a little over a year ago, a 2006 mini Cooper. She barely had any miles on her. Cost me about 13k. Im paying it off monthly for 4 years at around 260 a month. I was no driving at the time but I was in the passengers seat. A friend was driving the car at the time. He was driving like a maniac in 3rd gear on the highway which was so stupid. Boom pop bam and the car is on fire on the side of the highway and Im standing there watching with no insurance. What do I do?  <response>: How did you get away with no insurance? Usually if you finance they force you to have full coverage. If you dont add it yourself, the bank will pay for insurance and up charge when they bill you 