we recently had a car stolen from our home the car and loan is in my wifes name and the cars insurance was in her son's name who let the insurance payments lapse and it was cancelled before it was stolen. now we are stuck with a 7500.00 loan we have to pay off and no car. the insurance company said since our son didn't make his payments the policy was cancelled and were out of luck. any advice out there on how to get out of this loan???