I'm kind of wasting my time here, because you obviously don't know jack about this.

Let's look at your first link, to progressive. Let's copy-paste directly from the site.

"Gap insurance pays for the “gap” between what you owe on your car and what it’s worth if it’s totaled in a covered accident, theft or other loss." "'

gosh, that sounds awfully similar to what I said. Let's look at their example!

"$28,000—Amount you owe your lender (principal and interest).

$25,000—Amount your insurance company says your vehicle is currently worth … which the insurance company calls the “actual cash value.”

$3,000—Difference between your loan balance and the insurance value for the car.

$3,000—Additional amount your insurance company will pay if you have gap insurance. "

Again, it "bridges the gap". Literally nowhere on this page does it say 125%. Literally. nowhere. I'm fairly convinced you're just making this shit up.

Plus, 125% of... what? The value of the vehicle?

Let's go onto the next one!

Lo & Behold! Nowhere in here does it say anything about 150%! Again, literally nowhere. It DOES state that the maximum it will pay out is $50,000. But do you know how hard it would be to be in the hole for more than 50k? Because your insurance is going to pay for the ACV (actual cash value) of the vehicle itself, which if it's that new will still likely have some decent value, and the people that qualify for 75-100k loans are not some punk ass that's going to do shit like you're suggesting.

Not sure how much longer I'll continue this charade. I work in insurance.. you, clearly, do not. You linked me two things as proof of your statements, NEITHER of them had anything that even remotely resembled what you claimed. Did you even read what you sent?

Try harder next time, please.