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I totaled my car. No insurance. Still owe money to the bank! Want to refinance. Help!!!?

Ok here's the deal. I financed a car through a dealership (1st time buying a car) and got completely taken. I didn't understand the paperwork, and the person selling told me that the GAP insurance would take care of me if the car was totaled. What I failed to realize was I needed to have full coverage to have the GAP insurance!! I only have liability insurance. I totaled the car. I still owe $8000 to the bank. I've had the car for 8 months and the bank has never come after me to get full coverage insurance; I'm not sure why. I haven't told the bank that I totaled the car, and I'm trying to pay the loan off as quick I can. In the mean-time I've kept the liability insurance on it, so as not to alert the bank, but I would rather drop the insurance since it is just wasted money at this point. I also want to drop the GAP insurance and the extended warranty they sold me, but again I don't want to alert the bank that I don't have full coverage. Any advice appreciated!!!

   








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https://prosesdegerap.wordpress.com/2017/05/26/is-an-auto-loan-possible-with-a-credit-score-of-560/

https://righhosquicaro.wordpress.com/2017/05/28/do-i-need-auto-insurance-if-i-dont-have-a-car/






























































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Ok here's the deal. I financed a car through a dealership (1st time buying a car) and got completely taken. I didn't understand the paperwork, and the person selling told me that the GAP insurance would take care of me if the car was totaled. What I failed to realize was I needed to have full coverage to have the GAP insurance!! I only have liability insurance. I totaled the car. I still owe $8000 to the bank. I've had the car for 8 months and the bank has never come after me to get full coverage insurance; I'm not sure why. I haven't told the bank that I totaled the car, and I'm trying to pay the loan off as quick I can. In the mean-time I've kept the liability insurance on it, so as not to alert the bank, but I would rather drop the insurance since it is just wasted money at this point. I also want to drop the GAP insurance and the extended warranty they sold me, but again I don't want to alert the bank that I don't have full coverage. Any advice appreciated!!!


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Ok here's the deal. I financed a car through a dealership (1st time buying a car) and got completely taken. I didn't understand the paperwork, and the person selling told me that the GAP insurance would take care of me if the car was totaled. What I failed to realize was I needed to have full coverage to have the GAP insurance!! I only have liability insurance. I totaled the car. I still owe $8000 to the bank. I've had the car for 8 months and the bank has never come after me to get full coverage insurance; I'm not sure why. I haven't told the bank that I totaled the car, and I'm trying to pay the loan off as quick I can. In the mean-time I've kept the liability insurance on it, so as not to alert the bank, but I would rather drop the insurance since it is just wasted money at this point. I also want to drop the GAP insurance and the extended warranty they sold me, but again I don't want to alert the bank that I don't have full coverage. Any advice appreciated!!!


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I totaled my car. No insurance. Still owe money to the bank! Want to refinance. Help!!!?
Ok here's the deal. I financed a car through a dealership (1st time buying a car) and got completely taken. I didn't understand the paperwork, and the person selling told me that the GAP insurance would take care of me if the car was totaled. What I failed to realize was I needed to have full coverage to have the GAP insurance!! I only have liability insurance. I totaled the car. I still owe $8000 to the bank. I've had the car for 8 months and the bank has never come after me to get full coverage insurance; I'm not sure why. I haven't told the bank that I totaled the car, and I'm trying to pay the loan off as quick I can. In the mean-time I've kept the liability insurance on it, so as not to alert the bank, but I would rather drop the insurance since it is just wasted money at this point. I also want to drop the GAP insurance and the extended warranty they sold me, but again I don't want to alert the bank that I don't have full coverage. Any advice appreciated!!!