What to do if I recently totaled my car which has a $12000 loan still on it but I don't have comprehnsive insurane?
If you do not have comprehensive insurance to cover the balance of the note and there is not another policy to supplement (like from another driver who was responsible), then you have a limited number of options-- but you still have a couple.
First, look at your paperwork relating to when you purchased the vehicle. They may have purchased a policy for you to cover gaps in coverage that you've been paying for, but just didn't realize it was there.
Your second option is to get an estimate on the repair. Sometimes people "buy back" their vehicles and use the funds from the insurance company to repair the "totaled" vehicle. What is totaled for an insurance company and what is totaled for some mechanics can often be two different things.
If you can't repair the vehicle (or just don't want to) and there is no other coverage, then you will have to pay the balance of whatever your insurance company did not pay. Your best bet to is to work out some type of modified payment plan with the finance company. They should be a little bit more helpful now that their collateral is gone-- i.e. the car.