It would depend upon if the total loss of your vehicle was covered by the comprehensive portion of your auto insurance policy whether your gap coverage will work on your car or not.

If your car was totaled out due to it being stolen, flood waters, hail damage or another peril covered under your comprehensive (OTC- other than collision) coverage and your insurance company is paying out actual cash value (ACV) for the vehicle then your GAP policy should be able to be used.

If your car was deemed a total loss due to an at-fault accident that you had and you would need collision coverage, which you do not have on the vehicle, in order to receive an actual cash value settlement from your insurer then gap insurance would not normally be able to be used since your primary insurer did not pay out ACV.

Gap insurance is to pay the different between the settlement ACV amount on your vehicle and the remaining loan balance. If ACV is not paid out by an auto insurance company then your a GAP insurance policy will not usually be able to be used. To find out the terms of your gap policy read through it and speak to the GAP insurer.