[pope_meat]

Nope, Gap is also offered when you're financing the car, it's meant to cover the gap between the value of your car and the loan total, since the moment you drive off the lot you're upside down, so if you crash 5 minutes later and the insurance only wants to cover the "value of the car", gap would cover the remaining loan balance.

[rdtwo]

Guess it depends on the state. In my state they have to offer you an equivalent or better vehicle