Auto Insurance Claims: totaled car, car loan, total loss

Question
O.k. ,My wife had an accident on 4/3/10 .She swerved to miss a deer and drove into a pond.The insurance company says they are 95% sure it will be totaled.Not sure because the adjuster has not seen it at this point.We have full coverage and a gap insurance on the vehicle.Well there is a note due on the 16th of this month and I don't know if I should make that payment or not.I don't want any marks on my credit.So should I make the payment or not? I Could use the money for down payment on a another vehicle.

Answer
Make the payment.  It is unfortunate, but your loan and the insurance contracts are two different things.  If the loan is due, it is due, you know.  You may be able to get the insurance company to speed up by just being upfront with them about the issue.  Either way, you will get the same amount of money for your vehicle, and the gap will take care of the rest.

JP