Is gap insurance worth it for new cars in Hawaii?

I actually had to deal with this last year when I got my first car loan. I didn’t put much down, and my loan term is kinda long (probably too long, honestly), so I went for gap insurance just for peace of mind. My cousin totaled her car a few years back and ended up owing like $3k after insurance, so that kinda stuck with me. I guess if you’re putting a lot down or paying it off fast, it might not be worth it, but for me, the “what if” was enough.

I actually had to deal with this last year when I got my first car loan. I didn’t put much down, and my loan term is kinda long (probably too long, honestly), so I went for gap insurance just for...

Honestly, I get where you’re coming from. That “what if” gets in your head, especially with a long loan. But I’ve always wondered—if your car’s value drops super fast, does gap actually cover enough to make the extra monthly cost worth it? Anyone ever actually used it and felt like it paid off?