Legal Question in Insurance Law in South Carolina

I'm finding this difficult to answer because I don't know who is who. I don't know if the insurance company that paid is the other driver or your insurance company. Therefore, I don't know if Gap is yours or another driver's insurance. I'm also confused about the loan. Usually when an insurance company pays to have a car fixed or pays when its a total loss, its based on the repair bill or the value of the car if it was a total loss. I have never seen an insurance policy that will pay based on what is owed. I simply do not have enough information to answer your question. I suggest that you contact an attorney by phone or in person who can ask the necessary questions so that he/she has all of the information needed to give you the advise you need. Good luck