What happens after your car is totaled and you only have liability?
If a car is totaled in an accident and only liability insurance
is present, there is a chance that the other party's insurance will
pay for the vehicle if the accident was their fault. If a car is
totaled, but no others were involved, then the responsibility falls
on the registered owner. This will not release the registered owner
from paying for the vehicle, either, if money is still owed on the
car.