If you have gap insurance and your car is totaled
https://www.arcgis.com/home/webmap/viewer.html?webmap=8a103fbed9fb4284a233fb97420f870c&extent=-83.5048,33.9113,-83.4985,33.9139
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.