You should read through the terms of your GAP insurance and speak to your Gap insurer to get a definite answer but normally a gap policy does not cover the remainder of your automobile loan if you die.

A standard Gap insurance policy would come into play and cover the balance of your lease or loan after your physical damage policy for collision or comprehensive coverage has paid out the actual cash value (ACV) due a covered total loss of your vehicle.

A total loss of a vehicle typically comes after a car is stolen and damaged or unrecovered or severely damaged in an auto accident.