They are money Hungry and lie to u. I wreak my vehicle on Christmas eve which had full insurance and gap insurance so called about 5 times for them to send documents over 4 gap insurance they keep saying they did.find out they didn't.Then told me to stop paying now there saying to keep paying. Even tho my insurance company gave them a check they never took it off my balance. The total loss said it's other Apartment that says that which doesn't make scents it a Company they all should be page