Any payments made after the accident are considered an uninsured loss, any made before are not. As for the gap insurance, it depends on what type you had - whether it was bridge the gap or back to invoice. I would be very surprised if you cannot get another B-MAX the same as you had, always ask for a new vehicle replacement if it is part of the policy. This way, if they cannot source the exact model, they should pay out the last list price of that vehicle. The market value at the time of loss can be very different and gap insurance should bridge the gap between the settlement and what you owe. This does, however, mean you may lose your deposit. Is your car actually a total loss? If the repair costs are less than the market value, insist on it being repaired.