After all is said and done, everyone who could have stepped up to the plate, took off running like scared chickens. The GAP insurance will pay the difference between your regular insurance pay out and the NADA value of your totaled vehicle as if it were in shiny excellent condition. My Regular insurance (Farmers) paid off the Blue Book value of my van without covering any upgrades or customized additions. They claimed they didn't know I had anything special done to the van. The credit union made a special deal of finding out why I was paying 20k for a van bluebooked at 10k. They immediately oked the deal and sent the info to my ins company. You guessed it - everything except the HC modifications. The bottom line was that I had to pay the extra 10k for the HC modifications out of my pocket. Farmers now claims I am completely covered for 15K worth of extra equipment over the NADA value of the van. I sure hope some Karma catches up to these weasels. Evidently the credit union now has some new rules in place when dealing with HC drivers. Yippie - I taught them a lesson. BE SURE YOU ARE ADEQUATELY COVERED !!!!! Dave _Visit My Home Page_ (http://www.users.qwest.net/~daveoc/index.html)
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