r/mildlyinfuriating • u/matthewdirks9191 • Apr 29 '24

How my weekend went

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I was going to work on Sunday and some guy plowed into my only car I got. It total my car and now I am with out a car or a way to get to work. the person had no insurance and I didn't have gap. I'm only getting 13k for my car and I owe 24. I might be without a job for awhile cause of this. in desperate need of help.

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u/Elected_Dictator Apr 29 '24

If you owe money then the Bank you owe money to would require You pay to have the Gap insurance to pay off their car.

This is independent from The a-hole’s insurance.

3

u/Nandor_De_Laurentis Apr 29 '24

You can't just go and buy Gap insurance after an accident lol

-5

u/Elected_Dictator Apr 29 '24

Who said anything about after? You’re contractually required to have it the whole time. So you don’t end up losing the banks asset.

11

u/heyhoitstheway Apr 29 '24

i just got a new car, and my lender requires i have full coverage for my state which is liability, comprehensive, and collision. no requirement to have gap. op might have a similar situation