<prompt> Human: Title says it all. The engine is destroyed. Help with advice please :mods: auto not insurance what do I do next? We are financially tight as is. paycheck to paycheckEDIT: Dad and son here, drunk son in hospital.Assistant: Im stuck on how you had a BMW with a loan attached that you did NOT have comprehensive and collision insurance on. I was under the impression that it is required by the lienholder that you carry those coverages when you have a car loan.Human: It is just the basic insurance thats all I know Im just trying to help my dad outAssistant: If you dont have all the information you may want to just let your dad sort this one out with the insurance company first. Thats easier than asking strangers on the internet to try to guess what happens next.Human: just wondering if we could claim the sons insurance he has for his crappy toyota? or does ours extend to family members?  <response>: or does ours extend to family members?Nobody here knows what your insurance policy says. 