My vehicle was totaled for not at fault accident cna paid nothing towards the payout on the total loss and refuses to cancel contract. So no car and no refund.. great company.. NOT.. oh and when I called to speak with agent was hung up on.. great customer service.. gap is a waste of money thru this company. your better off going thru your own car insurance that you use to get gap..39.99 for 72 months Lease is alot of money and I know I'm not the only one so if you do the math that's how they stay in business ripping off consumer's..