When you retain an totalled vehicle, you receive a little less in your settlement amount. If this amount is enough to pay off your vehicle, you can keep it, but you will not receive your part of the settlement, if any, until after you have the title & it is released from the finance company. Also, the state regulations on retention of total loss vehicles needs to be checked.
Sue the owner of the car, since the owner was likely required to carry insurance as part of the financing deal.
Only if you buy it.
You can accept the claim and then buy back the car. This way you get money for the claim and you get to keep your car. The price for the car will be way lower at the totaled price than what you will receive in the claim.
You have no options! Should have got insurance There are none. You have the joy of paying off a car you no longer have. Best thing to do is try and sell it for parts.
Sell it and pay your lender!
When your financed car breaks down, you need to get it fixed so you can drive it and keep paying your loan at the same time. If you can't afford to get it fixed, you can give the car back to the finance company.
The very first thing you do is report it to the police. Whether the car is "totaled" or not (a decision typically made by insurance adjusters), a police report is required for any automobile accident.
Am I allowed to keep money from insurance company
Not if you notify you local PVA that the car is totaled and not longer in service. You will pay taxes up to the day it was totaled.
Keep making payments on a car you don't have and learn your lesson about not letting your insurance lapse.
Legally, if the company pays you for the totaled vehicle, it belongs to them. You can offer (if they don't) to by the scraps back. This would be deducted from your settlement and you would be paid the difference.
You can, should, and are legally required to register a financed car.