What type of lawyer handles car dealership and car financing contracts? Also, body shop vehicle damage?

Ummmm hate to tell you but the lack of due diligence is YOUR issue not the lenders nor the sellers nor body shop. Neither a car dealer nor a lender is obligated to make sure you have the coverage you want or need on on a car you purchase. If there are obligations beyond finanical responsibility limits, such as comp/collision required for financing, that is your responsibility to secure and is typically spelled out in the financing paperwork. As it is your vehicle and your finaincial exposure, the due diligence is equally yours. At this point, if the crash was some other persons fault, you need to focus on gettting them to pay for the damages, but you need to keep making you payments to the bank, in the meantime. Otherwise, if you wrecked your car and it was uninsured, you either need to make the payments to get it fixed and keep making your finance payments OR of thecar is totaled, see what can be done with the lender to settle the debt.