You are only entitled to the then-current (when it was totalled) fair market or blue book value of your car--i.e. what it was worth when hit. The law doesn't care about what you paid or what is remaining on your loan: all it gives you is the car's value. So if you have received the fair value for your car, you are not entitled to anything else. This is exact.y why it is critical to have GAP insurance.