No, gap insurance does not rent you a car whether your car has been declared a total loss or not. Gap insurance does not include in its benefits to use of or reimbursement for a rental car.

If you have been in an accident that is your own fault you would need to use your own physical damage coverages such as collision or comprehensive to cover the damages to the vehicle. To cover the cost of a rental car while your car is being repaired you would need coverages such as rental car reimbursement (RR).

If your car was damaged by another party and you have put a third party claim through the at-fault party's insurance company then you should see if they will provide you with or reimburse you for the use of a rental car while your vehicle is being fixed.

Gap insurance is type of optional coverage that will pay the difference between the actual cash value of the vehicle and the current outstanding balance on your loan or lease, so if you car is not found to be a total loss then GAP would not be used. Remember this type of insurance pays the "gap" between the ACV of a vehicle and the loan amount if your financed amount is more than the worth of your car, it does not pay for other items such as a rental car.