If your car has been totaled out by the insurance company that was at fault and they come get the car do I still have to pay the car note

The answer is possibly yes. In theory, your insurance claim should cover most if not all of the loss damage to your vehicle. The note holder, as the owner of an secured interest in the vehicle (it's in the Note!) gets all the proceeds from the insurance claim until their  interest is satisfied. Any loss you incur are actual damages and you can sue the other driver to recover any shortage as they are responsible. What you get paid depends on your policy.  Good luck.