I wish people would really understand their car insurance. USAA has an obligation to pay the lienhder period! As I sit here with my shattered right leg....I am reading about USAA new car replacement coverage, and I am so annoyed by the ignorance of consumers.....stop purchasing coverage and then not reading your policy....or getting the coverage throughly explained. Nothing is as "we" want it to be....there is always a clause for every situation. If you are upside down on a vehicle you have no say so in where those monies go....just because you got GAP! You need to not blame USAA and instead blame yourself for your financing terms of that overpriced vehicle you purchased. Also if you get a new car and don't use GAP guess what contact GAP they will reimburse you for this insisted coverage. Educate yourselves people!