I had Gap Insurance from Protective.com for my 2001 ford windstar van. It was totaled in an accident and protective agreed to only pay my Lien Holder $457.00! My remaming balance of my loan was over $7500. They are saying "BlackBook" Valued my van at over $6500! BS I did my own black book and Kelly Blue book and they both gavce me quotes between $1700 and $3500!. This is a scam and a rip off and when i call to ask for a suypervisor ANDY he isnt avail! When i aske for anyone in the GAP DEPT NO ONES AVAIL! BS. I am fighting this!