<prompt> Human: Car was a 2012 Honda Civic, which apparently is incredibly popular for car thieves because of the black market for parts, which means Im not likely to see it again. I owed 13,000 on it, kbb.com generously puts the value of the car at about 9,200. I didnt have gap coverage on my car because I thought I had paid it down enough to not need it. Guess I learned my lesson there.So I guess the question is, assuming Im going to have to eat the difference, what if anything can I do to minimize the impact here? Will the dealership be willing to make any arrangements regarding paying the rest of the balance, or are they just going to act like the cars still mine? How do I go about looking for a replacement car? And cynically speaking, if they cant repossess a car that isnt around anymore, what would they do if I decided to flake on the rest of the loan?  <response>: And cynically speaking, if they cant repossess a car that isnt around anymore, what would they do if I decided to flake on the rest of the loan?They could sue you, and they could probably garnish your wages. They could go after you themselves, or they could sell your debt to a collection agency.Even when cars are repossessed, the lenders often try to get the rest of the money: So, you cant get out of this that easy. If your insurance payout does not give you enough money to pay off the loan, you may have to continue to make the monthly payments for a car you no longer own. It sucks, but thats what gap insurance is for. 