<prompt> Human: My girlfriend crashed her new vehicle this past week thankfully no injuries! which is financed. The finance company Capital One required her to have full coverage, which we understood, in order to provide us the financing. When this crash occurred and we called her insurance, Progressive, they said she did not have anything but minimum liability coverage!My first reaction was to look at her and ask when she cancelled it. She said she never did. Progressive said no one ever cancelled the full coverage, but that we never had anything but the minimal coverage to begin with, which was what she had on her previous car a junker she owned outright. So when we traded that old junker in to finance this new vehicle, we called Progressive, let them know we were trading in the vehicle, and they told us we had all the coverage we needed for a new, financed vehicle. This, we are now finding out, was not the case.So when Progressive said she never had upgraded the coverage from the previous vehicle, we checked if Capital One reflected that in their records. They said YES, that they only ever showed her having the minimum liability coverage from the get-go, that it was never the full coverage, and that instead of doing a forced-place coverage to protect the vehicle as an asset, that they were in the process of contacting Progressive to determine why the coverage was not as required what Capital One insurance rep told me on the phone. Weve financed this car for 8 months so far. Very early into the loan lifetime, but I would think a bank would hop on us quicker than 8 months to ensure we had the full coverage as required by the contract we signed.A couple of questions in regard to this fiasco:1. How were we approved by Capital One in the first place without having to provide proof of full coverage? Had we been required to show proof of full coverage, we would have seen that this insurance we had was minimum liability and needed to be upgraded before we were financed. Further, I vaguely remember having to provide proof of coverage, though I couldnt be sure. Would they accept a minimum liability coverage as a temporary placeholder to be approved? Sounds odd to me from a banks perspective. Wouldnt they want proof of protection for their asset prior to funding the purchase?2. Is Progressive potentially at fault for not ensuring we had the full coverage required by Capital One? I couldnt imagine my girlfriend saying no I dont want the full coverage, but if she had, is that something that shouldve thrown up a red flag with Progressive, or perhaps with Capital One and prevented the loan from being approved?3. The car itself maymay not be totaled. Progressive will not send anyone out since they claim we never had full coverage, and the car dealership we bought the car from where we towed after crash will not open up car to determine cost of repairs without her signing a form saying that she will pay for ALL repairs out of pocket prior to knowing what those costs are... any advice on how to determine total cost of repairs more reasonably?4. Whether the vehicle is totaled or not, any advice on how to go about communicating with Capital One about all of this? Ive only very generally spoken with their reps so far, how can I maintain an open line of communication? What positiondepartment do I need to speak with?I understand if you have full coverage then cancel it, you are breaching the contract with the bank and doing a silly thing. This is not that. This is us trying to figure out how we never had the full coverage we thought we had to begin with, how the bank approved us without it, how Progressive had us thinking we had it, and what we can do to avoid having to go the legal route to try and solve this.Thank you for any and all help! Apologies if I left any obvious information out.  <response>: How were we approved by Capital One in the first place without having to provide proof of full coverage?Because they approve you before you even own the car. After you buy it, you add insurance. If you dont, the bank will put an insurance policy on it themselves that protects them only and add the cost to your loan. They hadnt gotten to that yet, and who knows why, but doesnt change that your gf breached the contract. Is Progressive potentially at fault for not ensuring we had the full coverage required by Capital One?No way. Progressive doesnt care what kind of insurance you buy. Your girlfriend was the one obligated by her contract with the finance company to get the correct insurance. 