I got laid off due to coronovirus couldn't pay insurance and someone living with me totaled my car I'm financing I just got it in December what will

So I'm financing my vehicle I just got in December and due to my job laying me off because of the coronavirus pandemic I could not pay my insurance on my car so it canceled and someone living with us took my car to go to the store without telling us and totaled it. Besides being laid off and our of work to take care of my family now I lost my vehicle they towed it away. I have no money no assets I do not own anything I'm struggling pretty bad so what if any repercussions will I face. We believe it was the other person's fault as we were told that and the police believe that but honestly we won't know til they finish the investigation.