Everyone says gap insurance is a scam, but my $18/month policy saved me $6,400 after a wreck on I-95
I got rear ended near Richmond and my insurer only paid $9,100 on a car I still owed $15,500 on. The gap policy I'd been paying $18 a month for covered the whole difference, no fight, no phone tag. All the threads warning me to skip it at the dealer never mention that it's fine if the price is fair. Has anyone actually gotten a refund on an unused gap policy at the end of their loan?