“Your brother will need to check with his lender or gap insurance
provider to determine if he is still eligible for a claim.
Most lenders do require that financed vehicles carry both collision coverage
and comprehensive coverage
. Without them, he may not be eligible to file a claim.
The other issue is that the other driver was uninsured. If your brother has uninsured motorist coverage
, that will kick in for any injuries and possibly property damage. If the other driver was at fault, this would provide coverage for his vehicle, meaning he would receive some sort of payout.
If your brother was at fault and does not have uninsured motorist coverage, he may not receive anything from his insurance company. He will need to contact his insurer directly to find out.