I totaled a motorcycle back in September. My claim was filed with in 3 days (two days late due to surgery from the accident). After saying they were being held up by the bank, 5 Months later (February) they finally settled my claim and paid the bank for the bike (bike was financed). Well, having gap insurance to cover the balance, I filed my gap insurance claim. You only have 90 days from date of loss to file this claim. They give you and additional 30 days just in case. They take into consideration the date of the insurance settlement. My... read full review »