Sorry for your loss, I hope you have gap coverage, if not, you are about to take a huge beating.
To all the car loan people out there, GET GAP COVERAGE. (what is gap coverage?, when you buy a vehicle, the loan is for X amount, as soon as you drive off the lot, your vehicle is worth about 1/3 that price on NADA. When it gets stolen or totaled, you get NADA value, which as stated is considerably lower than how much you owe on the loan. No companys are obligated to pay any more than nada value, leaving you with a car payment and no car. Gap coverage pays the difference between Nada value and your loan)
when they total this out on you, find out what the buy back is, normally its about 10% of what they pay out to you, might be worth buying it back and parting it out.