<prompt> Human: Im not sure how she avoided having insurance but she is still making payments on the car. I think its a 60 month loan that she is about a year in. I dont know if the car it totaled but it looks pretty rough. I know the obvious answer is that shes fucked but are there any steps she can take to soften the financial shit storm? Finances are tight. Pretty much living paycheck to paycheck. Id be grateful for any insight.  <response>: Have the car fixed so that it is at least driveable and continue paying it off. 