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Yesterday I got into an accident, and based on my description over the phone, my insurance agent (GEICO) told me that there is a high possibility of total loss. However, I won't be sure until a GEICO inspector takes a look at it. The accident took place on 12/22, so I won't get any news until after the Christmas holiday weekend. (Monday would be 12/28) I'm currently over a month (but less than two) late on my car payment. When I called my loan company to tell them what had happened, they told me that my car was currently in "collections/repo status" and that my car insurance may deny my claim based on this fact, so I need to make my payment asap. Does anyone know how much of what my loan company is telling me is true? Could they just want the money as soon as possible because the insurance process takes too long? I understand that if I am upside down on the loan, I'm still on the hook for the remaining balance, but, again, I wouldn't know if that is the case for sure until after the inspection. Bottom line: am I really in "collections/repo" status if I am still making payments to my loan company and not a collections agency? And if I am in that status, is it true that GEICO may deny my claim due to it? I'd like to save this money for the holidays (and possibly a new car), if the insurance can take care of it instead of me.