Okay someone here please help me understand this for someone - (oh and I wish it were me) but I said I may know someone - meaning YOU all) that could explain it so I could explain it and why or why NOT someone would want this coverage. Car purchased - used car - approx. 27k miles. Car window sticker thing says XXX Warranty - still has factory warranty left. Car year 2008 - Have no idea what factory warranty means - what's left.....how to find out. Dealer unsure too. (okay ......) Now sales guy sells person GAP insurance. Near as I can figure - this is incase car is totaled and either this person is the cause or other person is under insured. Car will be replaced. ???? Sales guy also sells something called Coast Guard Vehicle Service Contract for around $2,000.00 that is supposed to replace transmission, engine, etc. Doesn't replace batteries brakes paint etc. this is worked into the payment, but it also was a "sell" because it has ROAD SIDE assistance reimbursement and "Rental if necessary for repairs" reimbursement. Mk - Don't you have AAA? - Answer yes...had it for years.....SHould I cancel? ........I'm thikning you should cancel the coastal - the car is a Kia.......looks and runs great you're the 2nd owner..but then again..if the motor goes kaput ------can you afford more than $2,000 to replace that or the tranny? Answer no.....so I'm not sure how to advise on this - I personally have never had a new or newer car. Don't want to see anyone get ripped off - but I think the GAP (guaranteed Asset protection ) is a good thing to have - I mean replacement car for $695.00 Yeah - good deal.....but the other thing? Is that a gimick? Can anyone help me help her? Thank you big time.