<prompt> Human: Got hit pretty hard, car is totaled. Im not sure what my next step is.I went through the other persons insurance and they took the fault. They said they only have 10K coverage. I now have to file through my insurance instead. When I bought the car I got the GAP insurance, should I contact them first or after Ive gone through my insurance?  <response>: You may or may not need a GAP insurance payout. Talk to your auto insurer first, see what they have to say about that.Make sure you know the payoff amount of your loan before you call them. If the number they offer is lower than the payoff number then youre going to need to involve whoever wrote the GAP insurance. 