<prompt> Human: I was in a total loss accident yesterday. I recently divorced, and my ex-wifes account paid for our insurance. She asked me to remove my vehicle, so I did. I was in the process of getting a new policy when I was involved in an accident. I was uninsured, but the state trooper didnt write me up for it. However, the vehicle is a total loss and uninsured. I still owe 12,000 on it. The monthly payments arent bad, and the APR is very low. However, Im going to have to get a new car.What options do I have? Ive talked with the insurance company and they will not do anything. EDIT: I get it. I was dumb. EDIT 2: Is there anything I can do with the loan holder? Maybe a payoff?EDIT 3: Silver lining. My lender is working with me. They are going to reduce my monthly payment, and will not require the loan balance in full.  <response>: Youre going to have to pay back the 12,000 loan. Insurance wont be able to help you, as you were not insured. Let this be a very expensive lesson to make sure that next time you have insurance set up before you remove yourself. 