[Turk]

It is always more difficult to explain to the owner of a recent purchase, than it is to someone who have owned the car for say 15,000 miles.

Then again, the owner for a year or two may have an emotional attachment to the car and he could sue for pain and suffering to see his/her baby get an "ouchie".

Legally you are not entitled to any more than they are, just because the accident happened "so soon after you bought it".

The GAP insurance (which by the way is a good idea especially in the case of a lease) will come in handy to make up the difference between what you owe the bank and what the insurance company pays to settle the claim in case of a TOTAL LOSS.
Without it, you could end up having NO CAR and still owing the bank as much as $10,000.

It won't help to make up the difference between repairs and your desire for a new car.

TURK


This is why I don't spend my money on insurance.