If you have gap insurance and your car is totaled
https://pr.taosnews.com/article/The-Weinstein-Firm-Addresses-Rising-Atlanta-Motorcycle-Fatalities-and-New-Legal-Challenges-Under-Senate-Bill-68?storyId=69fa65b6cdd5c000024f22ba
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.