<prompt> Human: Hi PF!Yesterday I got the news that my 2011 Subaru was a total loss from an accident that happened Tuesday afternoon. Of course just like how everything goes this happened at the worse time and Im hoping someone can give me guidence on how to handle this. Here is a breakdown:I owe 16,800 left on my loan.Gap insured, extended warranty coverage.Kelly Blue Book reports in the condition it is in, the car is worth 11,500-13,800.No emergency funds, zero in savings..All medical bills have been covered and I have received 800 for pain and suffering.Has anyone ever had to go through this? Does anyone think GAP will cover the rest of my loan and Ill be left with some money to restart?Thanks for reading!  <response>: GAP insurance is just that. Insurance meant to cover the gap between what you still owe and how much the car is worth in case it is a total loss so that you personally arent left owing the difference.You will not be left with some money to restart. 