Nope, Gap is also offered when you're financing the car, it's meant to cover the gap between the value of your car and the loan total, since the moment you driv

Nope, Gap is also offered when you're financing the car, it's meant to cover the gap between the value of your car and the loan total, since the moment you drive off the lot you're upside down, so if you crash 5 minutes later and the insurance only wants to cover the "value of the car", gap would cover the remaining loan balance.