After you've signed the papers at an auto dealership and driven the car off the lot the finance company wont cover you for the loan and the car gets totaled and its insured who pays for the vehicle?

Next time you post a question, read it over before hitting "save" (your question is a little hard to understand).

Once you sign the papers for the car, it is yours. If you get in a car accident and the car gets totaled, the insurance company for the At Fault driver is responsible to pay for the "fair market value" of the car. If you are at fault and you have collision, your insurance company will pay you fair market value less the deductable.

Please be aware, if your loan was for 10,000 but your car is really only worth 8,000 then you will be stuck paying the extra 2,000 (unless you purchased gap insurance from the loan company)