How can I find info on my recently deceased mother’s Gap policy?

Gap insurance covers the difference between what your car is worth and what the insurance company is willing to pay out if it’s totaled. This only applies when the car is involved in an accident that totals it; if this was the cause of your mother’s passing, her gap insurance may cover the remaining balance. If the car has not been involved in an accident and is still in working order, gap insurance does not apply. Your best move is to read the terms of your mother’s car loan carefully to understand how much is left to pay off and perhaps speak with her insurance agent as well as the dealership she bought her car from.