Do you still have to make payments to finance company on a stolen car?

yes, if your insurance settlement does not satisfy the outstanding loan balance you are still responsible for the remaining balance- you might me able to work w/ them to lower the payments if its a hardship, if you stop paying it will go to collection, then after awhile and depending on the amt outstanding they will either file a lawsuit against you- which can lead to liens on property or wage garnishment- this varies by state, or they will discharge the debt- but beware if they discharge/forgive the debt you will receive a 1099C Cancellation of Debt form, and you must claim the amount as income on your taxes