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What to do regarding a totaled car with 48 payments left?

Question Details: A friend's husband wrecked her car; he was an un licensed driver and an "excluded" driver on her insurance policy. The car was taken to an auto body shop, where it was deemed "totaled" by the auto shop. The insurance company said they will not pay for anything since her husband was excluded. She still owes 48 months of car loan payments on this car, so it is still owned by the bank. She doesn't know what to do. Should she call her auto loan company or what? Do you have any advice that I can give her?

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