Given the constant mention of the loan being only 2 days old, I wonder if the car was actually wrecked before the loan and associated GAP insurance was issued and the op is afraid that will be discovered and payment be denied due to that. If it isn’t that, it’s as simple as the GAP insurance will pay as the contract demands. Unless the GAP insurance has some delayed activation clause, 2 days, 2 weeks, 2 months; its immaterial