Okay, I am trying to help my son get "gap insurance" on his jeep. He is currently insured with USAA who do offer "total vehicle replacement" (which he has already through USAA) but that is not the same as gap insurance. For the uninitiated, gap insurance covers the difference between what the vehicle is worth, and what is still owed if the vehicle is financed. And when my son got into an accident a few months back in his KIA he found out that it does not take much damage for a vehicle to be a "total loss" these days. Yes he did have the gap insurance at the time - he totally understands the need for it. Anyway I'm finding out that many auto insurance companies only offer gap insurance as an "add-on" to an existing typical auto insurance policy. In other words if you have that company as your primary auto insurance company (comprehensive, collision, uninsured motorist, etc.etc. etc.) they can also add the gap insurance. But nobody so far sells a "stand alone" gap insurance policy! So if anyone here on wordforge has any advice please help me out - thanks!