I am 6 months into chapter 13. My son totaled my car which is currently being paid in the program. My insurance is paying off the full amount of the car to the lien holder. I cant speak to my atty until tomorrow. What will happen now. Will they reduce my monthly BK payment to accomodate another car payment?? I know I need court approval but how long will this take? My rental car is only covered for one more week. Anyone had this happen?