conversation: User (HGSwells): "I was in a total loss accident yesterday. I recently divorced, and my ex-wife's 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. \n\nI was uninsured, but the state trooper didn't write me up for it. However, the vehicle is a total loss and uninsured. I still owe $12,000 on it. The monthly payments aren't bad, and the APR is very low. However, I'm going to have to get a new car.\n\nWhat options do I have? I've talked with the insurance company and they will not do anything. \n\nEDIT: I get it. I was dumb. \nEDIT 2: Is there anything I can do with the loan holder? Maybe a payoff?\n\nEDIT 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."
  Self: ""in the process of"\n\n\nBuying insurance literally takes 5 minutes.   You neglected to do that and broke the law and wrecked an uninsured vehicle.  That sucks. Next time, complete the process or don't drive and endanger the community.  "
  User (HGSwells): "Roger that."
  