If your car is totaled and you still owe on the loan do you have to pay off the loan with the money or can you just continue to make monthly car payments on the car you no longer have?

You can continue to make payments if you want. All the bank cares about is getting their money. You should check with them just in case, the rules could be different with your loan.

The insurance check will be made out to both the borrower and the lender and will require both signatures. The lender will be the person who takes final possession of the reimbursement and will apply it to the outstanding balance of the loan.

If there is a deficiency and there very will may be depending upon the depreciation of the value of the vehicle, penalties, etc. the borrower is responsible for the repayment of such costs.

AnswerCall and ask the people who you pay your payments to

If you have GAP insurance on the car, then it won't be a problem.