Steve;
You have sure had some bad luck with insurance co's. That is just all-around %$#@ service on all their parts, except Geico, who sound like a cut above all the rest. I have not had gap insurance, but now will talk to my agent about it. Does it make any difference if the car is paid off or not? (Mine is) Hope your experience with State Farm, etc. will encourage others to question their current coverage. Better now then when you need it, right?