If your car was totaled in an accident how do you go about getting total replacement value?

You will only get the book value of the car at the time of the accident. It may not be enough to replace it, but that is how insurance works. If you have GAP insurance through your bank with your loan, then that insurance will cover the difference in replacing that particular make/model of car. This does not pay enough to replace the car. It will pay the remainder of your loan after the insurance settlement. You may still owe the bank your deductible amount.