“Down payments are non-refundable since they comprise money that would have normally been rolled into your loan. People make down payments to avoid having a higher loan amount or to reduce their monthly payments. It can also be a requirement for some lenders or dealerships.
When your vehicle is assessed by an adjuster after an accident, the actual cash value is determined. As your vehicle is fairly new and you made a larger down payment, the actual cash value of your vehicle should cover your loan amount.
If there is any additional money left over, that would go back to you to help you purchase a new vehicle.