Hello to the round, I have a problem and hope that I might get a solution here. Maybe someone knows about it or was in a similar situation. Starting point: 4 years ago I signed a contract with my former employer. He bought a car, registered it and insured it (liability). In the contract also says that I pay the total amount (car plus current taxes and insurance) with a monthly amount. The car was used exclusively by me. As I have already written, I have not been working with this employer for a long time. However, I have continued to pay off and drove the car. However, the car is registered to my former employer and insured by him. Now I had an accident recently. The accident opponent is solely responsible. The car has a total damage. go: – who takes care of the settlement of the insurance damage? – now I have to continue to pay the monthly payments, although I no longer have a car? (Stand value according to Schwacke is about 4,000 euros; open claims total by my employer still about 6,000 euros) – can I buy from the money, what the insurance pays, a new used or gets this automatically the policyholder, so my old employer? I would be very happy if someone would help me. No, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no.