My son crashed my car 2 years ago. We had no insurance at the time. It was a non-reportable accident. I drove the car home and garaged it until I could afford to fix it. I am now behind on the payments, and the finance company is threatening repossesion. Car is still not fixed. If it is repo'd, Can my son or I be charged for the lack of insurance? I can no longer afford the payments, can't afford to fix it, and can't sell it because I don't own it. The repo really doesn't bother me, I'm just worried about criminal charges from the lack of insurance. Thank you