Once your claim for the stolen vehicle has gone through your comprehensive coverage, your primary insurance company should settle with you for the actual cash value (ACV) of the vehicle. Once the ACV is paid out then your GAP insurance would be involved to pay the difference between the ACV and the balance of your loan.

It is unfortunate, but GAP insurance is intended to pay the GAP not compensate you for replacement value. So, the $5000 wouldn't be returned to you by your GAP insurance. There are some carriers that do cover replacement value for physical damage, so check with you company to see if you have that physical damage coverage.

Gap insurance normally pays the balance of the loan after your comprehensive insurance pays the value of the car at the time of the accident. GAP insurance does not pay the policyholder back for their down payment. This type of insurance should pay the balance of a loan after the primary insurer pays their portion and thus leaving the car owner without a loan to pay on a car they no longer have use of due to it being a total loss.