Gap insurance ensures your loan will be paid off in case of total loss if you owe more than its worth.
In my case State Farm paid $19,000 but I owed around 28,000.

If not for Gap, I would have to pay about $9,000 on a vehicle I no longer had.
Gap 100% paid off the loan. No bickering, no negotiations.

Efficient drivers do it better.
1003 miles a tank personal record. 74MPG calculated. HCH1 CVT