Ultimately, you will need to discuss this situation with your insurance company and your vehicle's lienholder.

In general, your insurance company should be able to let you know how they will handle your auto insurance claim.

In general, however, a vehicle depreciates in value - immediately - when you drive it from the dealership. The GAP insurance will cover the difference from that depreciated value to the amount you owe on the vehicle.

The payout from your insurance company will go to your lienholder and not you.