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Contact your attorney ASAP for state specific advice. I hope you have a paddle for that creek your about to go up. When you borrowed money, you secured that loan with your vehicle. You ARE required to carry insurance to protect the lender's interest. If the vehicle was destroyed with no insurance, you are responsible for the balance. Read your contract, it will state that.

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Q: What is the best thing to do if a writ of REPLEVIN has been issued and the auto was destroyed by fire without active insurance?
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