Does gap insurance make sense compared to the number of times the policy will be needed?

No, it is much more cost effective to simply have your Auto Insurance limits adjusted to fully cover any potential losses.

Gap Insurance is notoriously expensive. Gap coverage only kicks in after all other insurance limits have been exhausted and is very difficult to actually receive compensation after a loss.

Gap insurance is usually pushed to consumers at the point of sale when purchasing a Vehicle at a dealership by sales people who are not schooled in insurance; it generates additional income for the auto dealership selling the gap coverage.

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