<prompt> Human: In early January, after saving up a good bit of money, I decided I wanted to ride motorcycles again. I decided to finance the bike because I have a decent job with good security and wanted to raise my credit score. I bought the bike and put about 25 down. I also got insurance but stupid, stupid me only got liability coverage. A few days ago a car involved in a road rage incident with another car merged into me on my bike at highway speeds. They decided not to stop and fled the scene. By some act of god, I survived with minimal injuries but the bike was absolutely smashed. There are plenty of witnesses but as far as I know, no one was able to get a license plate on the car that hit me. There was a police report but Im pretty sure its not an active investigation since they have so little to go on. I already called my insurance and they basically said there was nothing they could do. I get the feeling that Im totally fucked, but I would really like some advice on what to do... honestly any advice would help.  <response>: Looks like you get to pay off a totaled motorcycle. The loan company likely put in the paperwork somewhere that full coverage is required. It is rare that insurance is verified prior to releasing funds for the loan. I had a similar situation happen to myself. Liability only on a car worth about 5k. Got into an accident with an uninsured party. Looking at a crumpled pile of steel that WAS worth a bunch more is pretty depressing.Lucky for you you have a decent job with good security. Paying off the loan whether the bike is ruined will still help your credit. Try offloading the motorcycle. I was able to sell parts on the car to recoup about 1000. 