you misunderstood me, i was saying the gap covers what the estimate they get from the KBB doesnt cover. they go off KBB and what it would be worth in the state it was in at the time of the accident or the time that was stolen. and gap insurances might be different for cars due to you financing much more than you would on a bike. i had a friend whose bike was stolen back in august, and he owed 9 on it, and with the miles he had on it he got 7 from the insurance company and the other 2 from his gap insurance.