I purchased a 2006 Nissan Sentra and my car was totalled. I never knew I had GAP Insurance no one told me. It turns out that I had insurance from JM&A group according to Capital one. Geico paid out 6000 for the vehicle which left a remaining balance of $3880. I put in a claim with the JM&A group and they made me send in all this ridiculous paper work. After weeks of getting all this information in they said they are not paying anything. I didn't even know I had gap insurance. I never seen any documentation. I am told because I have late payment they can't pay my car off. Gap insurance is a joke. They screw you and take your money. I definately would not used this company. JM&A sucks and I hope they read this message board. I am going to make sure everyone knows about the bad business they do.