Yeah, its a racket alright, but what can we do? I bought a 2008 NISSAN from a dealership in 2009, had State Farm Full coverage, and Great American GAP insurance. Tropical Storm Hermine flooded it in Sept 2010. Total Loss. After fighting with the First Third bank about payments, Dennis Eakin Dealership about extended warranties, and Great American GAP for months, I ended up still owing 1200.00+. What was the GAP for anyway?