In that case scenario, you won't have any more choice that transfer ownership of your car to your insurance company using your title certificate.
um, i hope i can recover it then. Ok, other question, lets say i recovered the vehicle, but it was damaged or even worse, it got totaled. What is left to me to do then?
That's a extreme scenario but if it happens,contact your insurance company, above anything else. They will guide you in any eventuality. During this circumstance, you must'n  apply for any plates.