It depends what insurance you carry.. mostly all new cars are fully covered. You can't drive without insurance. If you financed or leased the bank wants full collision and comprehensive coverage.
Insurance evaluate your car after accidents.. see how many miles were there and evaluate what was the value of your car before accident. They send you a check for it.
Sometimes the amount you get might be less than you owe on your car. Then comes a gap insurance.. some people pay little extra in their premium for protection against such scenario.. if you carry gap.. insurance pay you for whatever you owe on the car if in case it gets totaled. You pay what you owe and keep the remaining..
I pay gap insurance premium on my insurance and it's not that much and it protects you well..
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