Yeah… gap insurance is for when you pay more than the car is worth. So, the dealership. If you get a car from the dealership, you will pay more than Kelly blue book value. Example: car is 10k kbb, dealership will sell it to you for 14k because of BS. If you wreck the car the next day, insurance will pay you what the car is worth -the kbb-, so 10k. But now you are still on the hook and making payments on the 4k. This exactly what gap insurance is for and will cover the 4k gap. This exactly happened to me. They kinda snuck in the gap insurance but im glad they did.