Keep in mind that GAP will only cover up to 5K and no more. Been down that road already when i totaled my Jeep. I got lucky with the gap had i owed another 500.00 on the car over what my insurance covered ther would have been an out of pocket expence.

 

IF YOUR CAR HAS FRAME DAMAGE THEY HAVE TO TOTAL IT. CAUSE THAT MAKES YOUR CAR A SALVAGED TITLE. WHEN YOU BOUGHT THE CAR DID YOU BUY GAP INSURANCE. IF YOU DID IT WILL PAY OFF YOUR CAR UP TO 150% OF RETAIL. BUT STILL THAT SUCKS ABOUT YOUR CAR.

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ROF!!!! Man, I could have had fun with that one!!!!! LOL Seriously though, I was not ready to give up my VB baby at the time, unfortunately someone made that decision for me! lol

 

You would think so but ohno, trust me!! That is what pissed me off more then anything. If the damages to my car did not equal to, I believe it was 70% (my insurance would have totalled for 50%), of the car's market value, Gainsco insurance WONT total, regardless of the frame damage. And you are so right, the title would have show that and guess what, that would have been my problem to deal with. That is why I fought to the death with that insurance company and made the biggest stinkwith my "pain & suffering" claim, which by the way, the funds are paid out of separate funds then the property damage claim. So the funds are not shared, leaving room for negotiating!!

 

You need to call an attorney in your state, every state has different laws about these things.