Crashed liened car, need to pay out-of-pocket. Can bank help?

Will I get along with the bank? I have a debt of sixteen thousand.

The bank probably won’t be sympathetic. You’re still responsible for the payments because a wreck doesn’t cancel your debt. Based on your previous posts, it seems like you bought a decent car with a loan and decided to drive without insurance. Unfortunately, you took a big risk and lost. Whether the bank will finance your repairs depends on your creditworthiness, but since driving without insurance likely violated your loan agreement, they may refuse further loans.
I’m sorry about your situation, but this is a tough lesson on the importance of having insurance.

Yes, in my state, a borrowed car needs to have full insurance. In actuality, if you don’t have insurance, you will be fined every day that you don’t have liability coverage. When I was younger, I was a dumbass and drove without insurance for around a month. I was required to pay a large fine when I went to register the car, but DMV waived it or whatever.

Unlikely. By not insuring the car, you’re probably in default of the loan terms. The bank still wants their $16k, and this situation makes you a high-risk borrower for any new loans. They could send your account to collections or pursue it themselves. Since it’s above small claims limits, you might be facing a civil court trial. The bank has attorneys for this, so unless you get really lucky, you could end up with a $16k+ judgment hanging over you for years. Good luck it’s a tough situation to be in.

If you don’t even have the necessary auto insurance, the bank won’t even trust you to pay back the loan. After this, they probably shouldn’t be permitted to drive at all.

If you had an accident without insurance, I believed they would take your license. Perhaps even put on SR22.

Thought so as well, though it’s possible that OP simply fled the scene without hitting anyone else. Still wrecked the automobile, but no information exchange was required? I’m not sure what kind of mishap it was.

saved a few hundred dollars on insurance. Pay the piper now.

Ideal illustration of “fuck around and find out.”
You have to pay the bill since you made a mistake. Learn from this experience and avoid repeating your mistakes in the future.

Since you lacked insurance, your lender may have obtained force majeure coverage for you. This protects their financial interest in the collateral, which may be used to pay off your loan, but it does not cover any harm you may have caused to other people or cars.

For more than seven years, your credit will be appalling. Never again drive without insurance.
If you use this technique to harm someone else or their property, there’s a good risk you’ll be sued.