Safeguard review: Gap insurance

I purchased GAP insurance when I purchased my 2017 vehicle. My vehicle was total on Nov 21, 2020 by a careless driver. Afer my insurance company paid their portion of my loan, I was left with over $3000 that Gap only paid $477. The claim they dont cover missed payments. First, I had a one page document that did not stipulate any of these exclusions. Secondly, what they refer to as missed payments was actually a 3 month forebarance offered by my leinholder during the pandemic lockdown when everyone was out of work. I purchased a new 2020 car and cancelled the gap policy. Its a scam and I would like to start a class action lawsuit against this company if I can find a proper lawyer.