You reaffirmed the car loan in the bankruptcy, which was approved by the lender and the court. That exempted the loan from the discharge and the trustee made no claim to the car for any other creditor (probably because there was no equity.) The bankruptcy closed after the other debts were discharged. Now a year later you had a wreck with the car and are evidently concerned that insurance won't pay off the full balance owed on the car and would like now to have that debt included in discharge. But it's too late for that. You made a decision to reaffirm the debt and not have that debt covered by the discharge. In doing that, you took the risk that something like this would happen in the future. That may have saved your car from being taken by the lender in the bankruptcy, but it exposed you to risk that you'd end up owing the creditor in a circumstance like this. You don't get to have it both ways — i.e. you cannot reaffirm the debt to save the car and then after the bankruptcy go back and get that debt discharged when circumstances make that better for you.

