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the first priority of the insurance company is to pay of the loan holder (so the value of your car is determined and out of that) whatever is left over will be sent to you. If the value of the car is less than what you owe you are stuck with the balance as far as gap coverage goes you will have to check with your insurance company they're all different

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Q: Your car was totaled no other car involved you had full coverage insurance and GAP insurance will you be reimbursed for your loss or will it all go to the finance company?
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