Imagine suddenly you no longer exist, poof, from one day to the next there is no more you.
What if you knew that this day would come in a month?
What if it wasn’t for another year?
Or in 5 years?
Would you spend your remaining time differently than you do now?
If so, why aren’t you already doing it?
In my place, you can either accept the inheritance in full (including debts) or decline in full. So you cannot say that you keep the car but won’t pay the loan.