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For example, suppose the complete loss of a vehicle worth $ 15,000, but for which the owner is obliged to $ 20000, is a "gap" of $ 5000. If the owner of the traditional coverage GAP, "gap" will be destroyed, and he or she can buy or rent another car or do not want. If the owner of "Total loss coverage, he or she is personally and to" break "in 5000 and then receive $ 5000 for the purchase or lease of new vehicles, thus, an abbreviated monthly payments in case of financing or leasing, or total purchase price in case of direct purchase. Therefore it was decided which type of policy will be available in most cases will be informed whether the owner can recouped with negative equity in case of total loss and / or he or she will finally buy a replacement car.

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