If my insurance covers car and property damage, how much more money should I get?

Question Details: A deer ran out in front of me but in trying to miss him, I ended up off the road and into a barbed wire fence. The car is total loss. I owe $13,000 left on note but how much more could I get? I have the GAP insurance through my policy, as well as through the dealership. There are currently 2 recalls on my vehicle.

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