Unfortunately, if you have a car note and you get into an accident, you will still have to pay off your vehicle in full.
If your car was totaled, your property damage claim should amount to the car’s current market value. You can use this money to help pay off the car note.
If your car was damaged but not totaled, your property damage claim should compensate you for the necessary repairs. Afterward, you can continue making payments on your usual schedule.