If you have gap insurance and your car is totaled
http://markets.financialcontent.com/buffnews/article/pressadvantage-2026-5-5-the-weinstein-firm-addresses-rising-atlanta-motorcycle-fatalities-and-new-legal-challenges-under-senate-bill-68
If you have gap insurance and your car is totaled, contact the gap provider to cover the loan balance that exceeds the actual cash value.