KBB doesnt cover anything, idk where u got that from. it just says how much it worth, if its stolen or totalled it pays off the rest of the loan and thats it, they dont give u home much the bikes worth, just how much u owe on it.

i just got a loan this wkend and read every word of the gap insurance section so make a decision to get it, and needless to say it was worth the extra 175 bucks!