Had a terrible experience with the GAP/GPP coverage we purchased on our new car. My wife & I still owe $240 after my insurance and GAP coverage paid. So, although we were told it would pay everything, it didnt. I was quoted fine print in all the various contracts and told they paid everything the were supposed to. So much for total coverage like they said at the time of sale. Buyer beware when you use Russ Darrow Kia. Better bring your lawyer with you to go over the paperwork.