My car is in the process of being written off,just waiting to here from the insurance company with the final settlement amount.

My question is about my finance agreement I've had the car for under a year and still have 4 years left to pay. I'm pretty sure the settlement won't be enough to end the finance agreement so what happens with the remaining balance?do I continue too pay my monthly payments or do I need to pay it off outright? If I have to pay it outright what happens if don't have the cash? Anyone been in this situation before ?any advice is grateful.