State Farm screwed me and loan has been charged off. What are my options

Ok so bought a grand Cherokee in 2023 and was involved in an accident about a year ago where the front end got screwed up, I did not think the damage was too bad so I drove it about 10 miles which blew the head gaskets. State Farm denied my claim because they said I shouldn’t have drove after the accident. I defaulted on the loan and they ended up charging it off. I still owe 21k. The vehicle is at a shop and I was quoted $3800 to fix it. I’m sure the repo man has been to my place to get it but it’s not here. If I got the vehicle fixed and kept it parked not at my apartment complex could I get away with not paying the loan off and continue to drive the vehicle? What are my options here?