<prompt> Human: I totaled my car last night, fell asleep driving, no other car was damaged or apart of the accident. I had literally just had my car insurance 325 monthly payment CANCELLED on December 14th, this happened the early hours of December 19th. Was switching to Progressive literally today because I finally had the money. Never been in an accident my whole life. Have always had insurance. When it rains it fucking pours, I guess. I have a loan for this car, about 10,000 left with Wells Fargo. I got the car from a dealership Shannon Motors in Rhode Island. I dont know if any sort of gap period applies with this situation because Im switching to a new insurance company.There was also a point in time about 2 years ago when I had to go about a month without insurance just never drove my car and was told that Wells Fargo was going to apply their own insurance? Im not sure if this was warning me that they would be doing this, or if their own insurance was covering me for that small amount of time and just adding it to my weekly payments.Im about to ready to curl up in a ball and die because I cant believe this has actually happened to me. Im freaking out.Kind of different topic but related: the man who towed my car was trying to give me advice and suggested I tell the dealership I totaled the car and need someone to come look at it, and that they would be happy to sell me a car. I called, they said to file a claim with my insurance company. Too afraid to tell them that I had just cancelled it. What in the fuck do I do?  <response>: Assuming you were not prepaid for a length of time after cancellation they ussually return a prorated amount to you after you cancel unless you happen to cancel on your renewal date, youre fucked.You owe the 10k, you could default on it I guess, but you wont get a loan for another car... or anything else, for a very very long time. 