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Yes, unless you have financed the vehicle and have a Gap protection policy on the contract. The Gap protection will cover the difference between what your insurance company settles with you and what your payoff might be (there's often a "GAP" between the two). All this of course happens once the vehicle has been determined to be a total loss either by accident or being stolen.

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Q: If someone steals your car do you have to still pay the note?
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