No, not mine

My girlfriend totalled her 98 Accord the other day, she's fine, minor injuries only, she was at fault, hit a truck in the process. She owed like 10G's still on the car, so if the ins co deems in totalled, what happens? Does she get a check for the low blue book value of the car? And if so, will she be responsible for the difference if she owes more than it's worth?