MasConcepts Incorporated

I had a freak accident the other night and ended up totaling my car that I had reaffirmed to pay through my chapter 7 and the discharge date was actually today. I was driving at night in a part of town I’m not familiar with and a water bottle I had with me fell in my drivers side and slide under the brake pedal I reached down to get it out and when I looked up I hit a roundabout and flew over it and messed up the whole bottom side of my front end and the window air bags deployed. I thought I had full coverage since when I got insurance for this car I called and asked for the cheapest insurance policy that was full coverage and was paying $175 so I assumed I had full coverage but never actually went over my policy, it turns out I didn’t have full coverage so my insurance isn’t going to cover the damages. I had a couple mechanics come to my house to look at my car and give estimates on what it would be to repair and they said it’s most likely going to be over 7k and that’s just the parts not including labor, I owe 10k on the loan so I’m wondering if I can rescind the reaffirmation but not sure if that’s even possible since the discharge date was today and also since the car isn’t drivable and had to be towed to my house. I’ve kinda accepted that I’m just going to have to payoff the loan balance but was wondering if I can rescind the reaffirmation and have the bank just come pick the car up? I wasn’t drinking and the cops never showed up to the scene so I just had the car towed to my house and left.