| Portrait Paints Stud |
| Well my qwas already answered |
Morning Frost and Afternoon Sunshine| Portrait Paints Stud |
| Thanks Do you do insurances or are you just knowledgeable about it? |
| Fossil's Dreams |
| It's all coming back to me now Jeri LOL...but I am positive things have changed in 15 years |
| Jericho Stables |
| In NY it is a requirement that gap is included in loans, so it isn't offered under insurance. |
| Fossil's Dreams |
| OHhhhh gotcha! Some banks make you, some don't last time I checked |
| Jericho Stables |
| Uninsured liability is as it sounds, the other party does not carry insurance. There is also Underinsured, which is for example they carry state minimums and it is not enough to cover the loss. |
| Jericho Stables |
| In the event of a total loss it covers the difference between what you owe on your loan and the difference your vehicle is valued at at the time of the loss. For example, your vehicle is valued at 10k but you owe 15k on it, you would still need to pay out of pocket that 5k. But gap coverage would cover that 5k |
| Fossil's Dreams |
| ah, but it's also been 15 years since I owned a car. Gap coverage? Is that the same as uninsured driver? |
| Jericho Stables |
| "Full coverage" isn't a real term in insurance. And what people consider "full coverage" does not usually include gap coverage. |
| MakeEm Fancy |
| Im pretty sure I have full coverage. Im not entirely sure though as its been a minute since I looked at it. |
| Fossil's Dreams |
| Any car I've ever gotten used (allofthem lol) with a loan, I was required to carry full coverage until it was paid off |
| Jericho Stables |
| wild, you need to wait 48 hours from your last one ending to start another one |
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| Portrait Paints Stud |
| Thanks Do you do insurances or are you just knowledgeable about it? |
| Fossil's Dreams |
| It's all coming back to me now Jeri LOL...but I am positive things have changed in 15 years |
| Jericho Stables |
| In NY it is a requirement that gap is included in loans, so it isn't offered under insurance. |
| Fossil's Dreams |
| OHhhhh gotcha! Some banks make you, some don't last time I checked |
| Jericho Stables |
| Uninsured liability is as it sounds, the other party does not carry insurance. There is also Underinsured, which is for example they carry state minimums and it is not enough to cover the loss. |
| Jericho Stables |
| In the event of a total loss it covers the difference between what you owe on your loan and the difference your vehicle is valued at at the time of the loss. For example, your vehicle is valued at 10k but you owe 15k on it, you would still need to pay out of pocket that 5k. But gap coverage would cover that 5k |
| Fossil's Dreams |
| ah, but it's also been 15 years since I owned a car. Gap coverage? Is that the same as uninsured driver? |
| Jericho Stables |
| "Full coverage" isn't a real term in insurance. And what people consider "full coverage" does not usually include gap coverage. |
| MakeEm Fancy |
| Im pretty sure I have full coverage. Im not entirely sure though as its been a minute since I looked at it. |
| Fossil's Dreams |
| Any car I've ever gotten used (allofthem lol) with a loan, I was required to carry full coverage until it was paid off |
| Jericho Stables |
| wild, you need to wait 48 hours from your last one ending to start another one |
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