Legal Question in Credit and Debt Law in Missouri

Obviously, you still owe for the car. Many loans require collision or full coverage insurance. Many lenders purchase the insurance and add it to the loan, if the borrower fails to maintain coverage. You might see if there was insurance after all. If you were ticketed or believe an insurance company might say that you were at fault for any damage, consult directly with an attorney in your area as soon as you can. You didn't say if the car is a total loss or can be repaired. That may make a big difference. If you can get the car repaired and stay current on the loan, you may not need to tell the lender about the wreck just yet. But, if you leave the car at a salvage lot, and do not allow the lender the chance to repossess the vehicle, you may increase your debt to them significantly.

Good luck