"Curious though... has anyone here actually had to use their gap coverage after an accident? Would love to hear if it was smooth sailing or a headache dealing with claims."
Had to use mine a couple years back after sliding off an icy road near Coeur d'Alene. Honestly, the claim process wasn't terrible, but it did take longer than expected—lots of paperwork and back-and-forth calls. Glad I had it, though... saved me from paying out-of-pocket.
Had a similar experience near Boise last winter—black ice is no joke. Gap coverage was a lifesaver, but yeah, brace yourself for the paperwork shuffle. Still beats paying the difference yourself though... hang in there, it'll work out eventually.
"Gap coverage was a lifesaver, but yeah, brace yourself for the paperwork shuffle."
Is the paperwork really that bad? Just got gap coverage myself (first time dealing with insurance), and now I'm wondering if I should mentally prepare for a bureaucratic nightmare. Also, does it typically cover everything, or are there hidden exceptions I should watch out for? Black ice around here is brutal enough without surprise bills...
