<prompt> Human: Hokay I have a problem and I know reddit is going to help me solve it.I am under on my 09 hhr. Problem is I got run off the road and didnt have full coverage. The damage is over 3000. I owe 10000 and its worth maybe 8200. I cant afford to pay for the car anymore. I dont know what to do. I thought about running the thing up a tree with full coverage on it but I dont like prison. Sooo. What does askreddit think? Should I go somewhere else? I dont want to voluntarily repo but Im afraid I have no other choice. Help me!  <response>: If you have a loan on the car - you technically mut get it repaired according to those loan terms 99.9 of the time. You also technically should have had Collision, Liability, and Comprehensive coverage according to those loan terms. If your loan company finds out, they may find you in default and demand payment in full immediately. Notice I said may, they also might not, but legally its an option for them. First get a real quote to fix it from a shop that your insurance works with. Dont file a claim yet, just get a quote from a shop they use. It means youll have an apple to apples number if you start working with them.You have a few options: Pay for the work the car needs to be safe and drivable. Forgo the painting and cosmetic fixes. Work with your insurance to figure out when your collision insurance was dropped. Your payment should have dropped significantly at that time. Ask for documentation. Search through your own documentation - they should have sent you renewal notices every 6 months. Try escalating to a supervisor if you run into roadblocks info on the specific company might be helpful to people here Sell the car as-is and eat the difference between the loan and sales price. This will hurt. Voluntary Repossession - generally not good unless youre out of options. If you have to go this route - get a replacement car and loan first so you can take advantage of your credit before you tank it. Expect a 100 point fico hit that will take 5 years to return. 