totalled car due to hail damage

recently there was a major hail storm in st.louis where i live damaging thousand of homes and cars, my car was totalled due to over 6000 dollars in damge, when i bought the car i had just filed bankruptcy and my interest rate was 19% . i have been paying on it for 5 years ...now its been totaled by my insurance company , after the deductable they say the car is worth 7400, i still owe 8500, i do have gap insurance which is in my loan...my question is ...will gap cover the remaining balance? and other than cosmetic damage the car runs fine and i want to keep it ,i have paid on it for so long its heartbreaking to have to start over, the insurance companies are all busy handling thousand of claims noone is very helpful or empathetic ...who decides if i keep the car? the lien holder or ins co?...help!