What? You need to make sure that the loan is paid in full. If the insurance doesn't pay enough, you need to pay the difference to the lender.
Don't worry about getting another loan for credit sake, just be sure the insurance pays off the loan in time (no 30+ day lates), pays the whole loan off or you cover the difference, and let your lender know what happened. If you need another car loan, sure go apply and get one? Don't do it just for credit's sake though...as long as the loan is paid off and you cover any gap, if any, you'll have a perfect payment record!
