<prompt> Human: Ill use generic numbers to keep it simple. My car was totaled. My amount due based on contractual payoff was 17k. My insurance company valued the car at 15.5k, and paid that to my financial institution. I then filed a gap claim through my gap insurance to pay the difference. No problem. I get a letter back from my gap insurance company saying that my gap balance was negative -500. Im confused as I also get a letter from my financial institution saying that I still owe about 1.5k on the car. After some phone calls, I figure out that the 17k I owed included cancellable products with my car dealership, that I was supposed to call and have refunded. This ended up being about 2k, which the dealership sent over to my financial institution. Now my financial institution is sitting with 17.5k of payments from my total loss, when I really only owed them 17k. Thats where the negative gap balance comes in, of -500. I was making on time payments for years, even a little extra than minimum to pay the car off quicker, and now it seems like that was a wasted effort since the car was totaled. Do I have a right to that 500 difference that my financial institution got to pocket?  <response>: its your money the insurance gives you the value of the car not what you owe...that can work in your favor or against you. 