Daughter has new car. insurance lapsed. wrecked car (1 vehicle) & totaled it. No $, long term ended.stuck w/car:payment? advise?

This will likely depend on whether she received notice that the full coverage insurance had been cancelled. Under recent Washington law, the insurance company would have been required to send a notice of cancellation of coverage via regular mail to your daughter. This is because mailing is presumed to reach the recipient, whereas certified mail can sit at the post office and not be picked up, which does not result in notification. If the insurance company did properly notify your daughter, then she is likely stuck with the car. Working with the dealer to part it out may be an option to reduce the overall gap liability, however, you may get better results parting it out on your own.