My truck was totaled but insurance paid it off. i have gap. what do they refund ?

Put simply will give an example. Insurance values auto at $10,000 and you owe $12,000 on loan. So insurance pays auto loan $10,000 and GAP pays the difference of $2,000 left on the loan, so car paid off. You get nothing more, but a loan paid off. But use the same example, but only owe $8,000 on your loan. Insurance pays loan $8,000 and then you will get a check for $2,000 left over from the $10,000. Gap pays nothing since there is no "GAP" that you owe after they settled this for $10,000. Gap pays where you are upside down on your loan which is good especially in the 1st few years when cars depreciate quickly, so that your car maybe worth less if totaled. So Gap only comes into play if insurance is not enough to pay off the loan. hope this makes sense.

the difference between what you got from insurance and the amount left on the loan