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Does gap insurance cover totaled car?


WAS HURT >> ALL RIGHT ALL NEW TONIGHT

CAR STOLEN AND SMASHED AND THE VICTIM IS SHOT SHOCKED INSURANCE COMPANY BLAMED HIM FOR THE MESS HE CALLED HELP ME HOWARD WITH PATRICK FRAZIER >> WHEN JOSEPH CLARK STARTED THINKING ABOUT GETTING A CARY DIDN'T HAVE TO THINK LONG >> CAR OF MY DREAM THAT'S WHAT I WANTEDISM LAST YEAR JOSEPH BOUGHT THE BLACK MALIBU

>> I LOVE THIS 2014 CHEVY MALIBU RUN SMOOTH CAN'T HEAR IT RUNNING WHEN YOU CRANK IT UP >> RAN QUIETLY

WAS GREAT UNTIL IT WASN'T >> WHEN I WAS COME BACK IT WAS POURING DOWN RAIN SO I PULL UP IN THE DRIVEWAY >>Reporter: JOSEPH HAD BEEN TO THE STORE HE TURNED THE CAR OFF THEN GRABBED THE BAGS

>> I'M TRYING TO GET OUT THE RAIN WITH THE PACKAGES AND LEFT THE KEY IN THE CAR >> AFTER HE UNLOADED THE GROCERY HE HEADED BACK TO THE CAR >> I LOOK OUT THE DOOR THE CAR WAS G GONE >> HE HAD NEVER HEARD THE COOK CAWVRNG HIS QUIET RUNNING MALL PWUCHLT THE POLICE FOUND THE CAR AFTER THE JOY RIDER CRA CRASHED >> JUST SAID MY CAR WAS TRASHED INSIDE AND TOTAL LOSS

MY DREAM CAR GONE JUST THAT QUICK >> FORTUNATELY JOSEPH HAD INSURANCE AND THEY PAID THE 10,000 DOLLAR THEY SAID THE CAR WAS WORTH BUT HIS BANK WAS OWED ANOTHER 1300 DOLLARS ON THE LONE >>Reporter: HE WAS FORTUNATE BECAUSE HE HAD FAN INSURANCE TO COVER THAT

SO HE CALLED THEM >> THEY DENIED IT BECAUSE I WAS FIGURE BY LEAVING THE KEY IN THE CAR >> THE LETTER FROM THE GAP INSURANCE COMPANY WAS EVEN MORE BLUNT SAYING WHEN YOU LEFT THE KEYS IN THE CAR IT WAS A RECKLESS NEGLECT OR WANTON ACT COMMITTED BY YOU >> I FEEL LIKE THAT'S WRONG TWHY DO YOU GIVE PEOPLE INSURANCE YOU ARE PAYING FOR IT

PAY IT WHEN THEY NEED IT >>Reporter: JOSEPH ADMITS HE LEFT THE KEY IN THE CAR DOES THAT MEAN THE GAP INSURANCE COMPANY DOESN'T HAVE TO PAY >> NO IT DOES NOT AND THEY HAVE TO PAY THE REASON LEAVING YOUR KEY IN THE CAR IS NEGLECT BUT IT'S NOT WHAT THE LAW OR POLICY CALLS GROSS NEGLIGENCE

GROSS NEGLIGENCE WOULD BE LEAVING YOUR CAR RUNNING IN THE PARKING LOT AND THAT'S NOT COVERED NEGLIGENCE IS ACCIDENTALLY LEAVING THE KEY IN THE CAR WHEN YOU RUN INTO THE HOUSE WITH YOUR GROCERY AN IF THE CAR IS STOLEN THAT IS COVERED >> WE CONTACTED THE SPOKESPERSON FOR OLD REPUBLIC CAN INSURANCE COMPANY THEY REVIEWED JOSEPH XLIN AND TOLD US IT WAS A CLEAR MISUNDERSTANDING WHILE THEY COULDN'T DISCUSS THE DETAILS CALL TO JOSEPH REVEALED THE GAP INSURANCE HAD PAID >> THEY STEP RIGHT UP TO THE PLATE

>> PEOPLE NEED GAP I INSURANCE BECAUSE MANY VEHICLE ARE WORTH LESS THAN THE LOAN AND PRIMARY WILL ONLY PAY WHAT THE VEHICLE IS WORTH GAP INSURANCE COVERS THE DIFFERENCE IN THE AMOUNT THAT IS OWED ON THE LOAN LIKE IT DID FOR JOSEPH BUT BEFORE YOU BUY A GAP POLICY DON'T BE RUSHED READ IT AND KEEP A COPY SO YOU KNOW YOUR RIGHTS

>> YOU HAVE TO WANT TO GET ME A PICKUP TRUCK THIS TIME >> SAVING EASIER DOESN'T HAVE TO PAY THE 1300 DOLLARS GAP INSURANCE PAID AFTER HE MADE ONE CALL TO HELP ME HOWARD >> I WAS ECSTATIC I WAS S SO GLAD DID YOUR JOB

>> GLAD WE COULD HELP NOW DO YOU NEED GAP INSURANCE NOT IF YOUR VEHICLE IS PAID FOR OR OWE LESS ON THE LOAN THE CAR IS WORTH HOWEVER IF YOU OWE THE BANK MORE THAN IT'S WORTH WE HAVE A LINK THAT HAS SOME INFORMATION ABOUT WHAT TO LOOK FOR WHEN YOU BUY GAP INSURANCE IT'S AT THIS SITE UNDER THIS HELP ME HOWARD STORY

>> BATTLING YOUR ISSUE ENSURE YOU GET HELP LOAN IT TO US LET US CLOSE THE GAP BETWEEN PROBLEM AND SOLUTION

Source: Youtube

Does gap insurance cover totaled car?

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