"gap coverage can genuinely save you from a nasty surprise if your car gets totaled."
Yeah, totally agree with this. Especially here in CA, where it feels like half the drivers out there are skipping insurance altogether... I've had a couple close calls myself, and being a high-risk driver, I decided gap insurance was worth the peace of mind. Just make sure you read the fine print and compare prices—some dealerships really jack up the price, so shopping around helps.
Yeah, gap coverage can definitely help, but honestly it's not a magic bullet. I've seen cases where people thought they were fully covered and still ended up paying out-of-pocket because of depreciation clauses or mileage limits hidden in the fine print. You're right about dealerships inflating prices though—usually better to check with your regular insurer first. And yeah, driving in CA is something else... had a client recently rear-ended by an uninsured driver, total nightmare sorting that out.
Yeah, gap coverage isn't foolproof. Had a similar situation myself—client thought he was good to go, but turns out the fine print excluded certain aftermarket parts. Always worth double-checking those sneaky clauses... especially in CA with so many uninsured drivers around.
