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is gap coverage worth it in PA or better to just risk it?

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(@gaming853)
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Been car shopping lately (ugh, exhausting btw) and the dealer keeps pushing gap coverage hard. My cousin swears it's a lifesaver after his accident, but my coworker says it's just throwing money away if you're careful and have decent insurance already. I'm kinda torn, you know? Curious what others around PA thinkβ€”worth the extra cash or nah?

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