I owe on a vehicle loan. Have comp,collision, and gap insurance. If the car is a a total loss do I get paid to replace and the loan paid off?

First, you should read your insurance policy. In most cases the answer to this question depends on how much you owe on the car. If you owe more than the market value of the car your insurance will only pay the loan off pursuant to your gap insurance. If the market value is more than what you owe, your insurance will pay off the loan and give you the balance.   This response is general in nature and is not legal advice. No attorney client relationship is formed by it. Further, the response does not represent the opinions or views of LexisNexis or its affiliated companies.