Contact finance company
Auto dealers would normally offer you a Guaranteed Asset Protection plan attached to your amount of the auto. This GAP is technically insurance of your asset, the car for payment of the remaining amount owed the finance company after the regular insurance pays their amount.
You are going to have to put down a down payment and then you can finance the rest and pay in 9 or 10 monthly payments. It reall depends on the insurance company.
Yes, with the agreement of the finance company.
Only if you stopped making payments and are behind on your on your payments.
You will still owe the finance company the balance of your finance note. Hopefully you have full coverage insurance. If you do have full coverage, the Comprehensive portion of your policy will generally pay off the finance company up to the insured limits (usually the remaining market value) of your insured auto.
If the driver was uninsured or only had liability insurance, they would be liable to still pay the finance company back or face a lawsuit.
The insurance company will pay the finance company not you.
When a person finances a car, proof of insurance is required, a buyer has about 24 hours to let his insurance company know about his car. In the event that car buyer stops making insurance payments the finance company is almost immediately notified and your car finance agreement charges the buyer a higher monthly payment for "single interest" insurance. That is where the finance company is reimbursed if vehicle is damaged, to protect their interests but not the buyer's. They can then at least get it fixed, and sell to someone hopefully more responsible. They have this stuff all figured out.
Perhaps your loan has been paid in full. Otherwise, call them and ask why they returned your payments.