This is the first time that I've bought GAP insura...

This is the first time that I've bought GAP insurance , it will be the last I buy it from Ethos. You pay them and when your daughter totals her car, they make you jump through hoops for them to pay. They don't lift a finger. I have to call the bank and my insurance company to get the 11 statements required for payoff. It would be so much easier for them to call the bank and the insurance company to get the required statements. They know what they need . This has been an absolute joke.