After signed the papers at an auto dealership and driven car off lot finance company wont cover you for loan gets totaled its insured who pays vehicle?

In the scenario you described, if you signed the papers and drove the car off the lot but the finance company did not cover the loan and the car was totaled, the insurance company would pay for the vehicle. This is because when you purchase a car, the lender typically requires you to purchase auto insurance. The auto insurance policy protects the lender's interest in the vehicle in the event that it is damaged or destroyed. If the car is totaled, the insurance company will pay the lender the amount of the loan, and you will be responsible for any remaining balance on the loan.