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**NOTE** - has claimed original rights on the article "Gap Insurance: What Is It? When Do I Need It? How Do I Get It?" ... if there is a dispute on the originality of this article ... please contact us via our and supply [url=http://www.accrh.fr]doudoune moncler[/url] our staff with the appropriate details of dispute (ie ).
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Gap Insurance: What Is It? When Do I Need It? [url=http://www.paolofranco.it/scarpe-hogan/]scarpe hogan[/url] How Do I Get It?Article Summary: This article will save [url=http://www.pollinate.it/category/moncler-outlet-online/]moncler outlet online[/url] you money in an automobile accident! It helps people understand what Gap Insurance is and how it can save you thousands of dollars when your car is totaled in an accident. It also helps people find out if they have gap insurance and how to get it if they don't already have it.
You're sitting in your car listening to James Taylor on the radio as you wait for the red light to change, when the kid behind you looks down to change the song on his [url=http://www.mxitcms.com/abercrombie/]abercrombie[/url] Ipod and [url=http://www.montresidole.fr/category/doudoune-moncler-france/]doudoune moncler soldes[/url] slams into the back of your car. The insurance company sends an adjuster out to inspect the damage. A settlement offer [url=http://www.piktor.fr/hollister/]hollister[/url] arrives in the mail two days later but the insurance company is offering $2,800 less than what [url=http://www.reimeiconsul.com/cgi-bin/joyful/joyful.cgi?pag]hogan outlet milano Hope Ches[/url] you owe on your loan, what can you do?
Most Americans have never heard about gap insurance and if they have, they probably heard about it after an accident and wondered why no [url=http://www.piktor.fr/moncler/]moncler[/url] one told them about it earlier.
Gap Insurance is a small insurance policy on your car loan that kicks in when the amount the insurance company will pay for your totaled or stolen car is less than what you actually owe on the loan or lease. However, most car dealers or auto loan officer leave Gap Insurance out of the sales agreement or loan documents without asking you if you want it. If you don't have it, you could be upside down on your loan for an accident you didn't cause. Here's what you need to know next time you buy a car:
- Always ask the sales representative and the loan officer if Gap Insurance is included in your loan or purchase price.
- Always get Gap Insurance if you are leasing or financing at least 70% of the value of the car.
Insurance companies will only pay what your vehicle is worth at the time of the collision. If it turns out the deal you got from the dealership wasn't a deal at all (Insurance companies value cars based on similar cars in your market, check with autotrader.com or your local classifieds for the current value of your car) or you rolled debt from your last car [url=http://www.batfriendtrust.it]hogan outlet[/url] into your [url=http://www.chu-forex.fr/hollister.php]hollister france[/url] current auto loan, gap insurance will save you money if your car is totaled or stolen.
Contact your lien holder to find out if gap insurance was included in your loan. If it wasn't, most lien holders will let you add gap insurance (even if you didn't [url=http://www.piktor.fr/louboutin-pas-cher/]louboutin pas cher[/url] get the coverage when you [url=http://christine.fm/photos/displayimage.php?album=5&pid=12]Acne Treatments recommended for Acne Conditions - written by Jeremy Lee[/url] bought the car) since they would lose the collateral for their loan if the car is totaled in an accident. If your lien holder doesn't offer gap insurance there are numerous insurance providers online that provide independent policies. Just make sure they have top marks from one of the rating services such as [url=http://www.piktor.fr/louboutn/]louboutin[/url] A.M Best, Standard and Poor's or TheStreet.com Ratings. Most gap insurance policies average $5 to $10 a month. You may never need to use it but for the price, it's [url=http://www.montresidole.fr]doudoune moncler[/url] a good thing to have!
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