<prompt> Human: Long story short, my girlfriends 2011 Scion Tc was just T-boned her fault a few days ago by a bucket 96 corolla. This morning we find out her mother was late in paying hermother portion of the insurance bill, resulting in the accident not being covered. What options do we have? She still owes almost 12,000 and living check by check and the car is Totaled, not worth fixing. She had been paying for full coverage with Mercury InsuranceMy Questions are:1. If she stops paying the car and takes the loss, how badly would this affect her credit in the future?2. Shes paid her insurance on time for the past year and only a portion of this last payment was late, can they really say its not covered? I would think she wouldve just been hit with a late fee.3. What would be the best way to go about handling this while doing as little damage to our future?Any opinions or information will be of great help, weve never been in a situation like this and we are very worried that we may have just screwed up our future. Assistant: A couple questions:1. Is the car title registration in your girlfriends name? 2. Is the car insurance policy in your girlfriends name? 3. Did the car insurance give notice that they would cancel the policy if the premium wasnt paid by a certain date? Is it in writing somewhere, like a letter mailed to the house? Or in the policy when she signed up? 4. How much is it to fix the car?Human: More than likely the policy is in Moms name, and OP just pays mom xxx per month or 6 months for her portion of the policy amount.Assistant: No its the reverse, it policy is in my girlfriends name, they just alternate making payments in 2 month periods. Apparently, Mom didnt pay the last pay period. The sucky thing is the next payment was made by my girlfriend on this past Wednesday just two days after the accident. She should be able to get a refund for that correct?  <response>: Ah, so the last month wasnt paid for. IE - her coverage lapsed. This is why when things are in your name you need to keep track of things, not assume other people will do as they say. Sucks for your GF though. An expensive lesson. 