If your 2009 Suzuki XL7 is deemed a total loss in an accident and you owe more on your auto loan than the actual cash value of the vehicle, it can leave you with a financial gap. In such cases, GAP insurance can be beneficial as it covers the difference between what you owe and what the insurance company pays. Contact your insurance provider to initiate the claims process and discuss the details of your situation. They will assess the value of your vehicle and provide compensation based on your coverage. If you have GAP insurance, inform your insurance company about it so they can coordinate the claims settlement with the GAP insurance provider.