First of all thanks for reading. Im from North Carolina. I was in a car accident a few weeks ago...End result is the other driver is at fault for running a red light. My truck was totalled and the insurance left me with about 2500 to pay off. Gap would of paid this however the month I bought it I also refinaced it, not knowing that refinacing voids the Gap until now. Can I take the Driver at fault to small claims to pay off the 2500 or am I out of luck. thanks.