I just settled my property damage claim with the other driver’s insurance company. They “totaled it out.” I still owe $4,000 on my car and my insurance company told me that they had already “closed” my GAP coverage claim. What should I do?

First off, good thinking getting GAP coverage. Most people don’t have it and when they’re in a car accident end up owing more on their car than it’s worth.

Your first step should be to contact your insurance company and tell them to “reopen your claim.” All this takes is a phone call to get your claim started.