Gap insurance question?

I bought a car from Jaguar with gap insurance and i totaled my car after some dumb lady pulled an illegal U turn in front of me. Her insurance said my car is totaled. They're coming to pick it up in a couple days. And i was wondering how does gap insurance really works and do i have to buy my next car from... show more I bought a car from Jaguar with gap insurance and i totaled my car after some dumb lady pulled an illegal U turn in front of me. Her insurance said my car is totaled. They're coming to pick it up in a couple days. And i was wondering how does gap insurance really works and do i have to buy my next car from Jaguar? Or can I go to any other dealership. If gap insurance does cover the "gap" between what i receive from her insurance for my car and what i owe. How do i receive the money from gap. This is my first accident in over 10 years of driving let alone having a car totaled. I only have 2 more years on my loan. I owe 11 gran left on my loan.
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