Yes, if your primary insurance company pays out for the stolen vehicle than your Gap insurance should be able to be used for the balance of your loan or lease after actual cash value is paid out.

Gap insurance should be able to help pay for this covered loss by kicking in after your Comprehensive coverage claim pays out actual cash value (ACV) for your stolen vehicle. A stolen vehicle is a covered loss that gap insurance does cover just like if you car is totaled out in that you can no longer use the vehicle.

If you did not have Comprehensive coverage on the vehicle and thus do not have primary car insurance coverage to pay out ACV then your gap insurance would not normally pay out. Or if your car was stolen but recovered and is going to be repaired by your insurance company instead of being found to be a total loss than gap insurance would not be able to be used either.

You should place a claim through both your Comprehensive insurance company and your Gap insurer if your vehicle has been stolen and not recovered.