say 11,000 for instance? Would the insurance company give me the book value or a fair estimate of what it is worth at the time before the accident. If they did I could pay off my loan with Honda and get a car for cheaper and keep the difference if I wanted a cheaper car. I'm asking if I get a fair price i should be able to get a new car and put that as down payment and make monthly installments like I have been. So I only will be out the deductible right? And no I did not have Gap