This company is a total sham! Please, I repeat please do not waste your money getting gap insurance with them. They will find any and every reason why they aren't responsible to pay and will give you a complete run around. They are a fraud of a company, and I wouldn't recommend them to anyone. The defeats the sole purpose of having gas insurance if you still have to pay out of pocket, and fight with the insurance company to their job. They are rip offs!