text: is gap insurance a wise purchase when buying a new car?   yes,i had bought a new car,did not get the gap. crashed in to a deer and my car was totaled it was only 5 months old..the insurance did not pay for it all and i would have had to pay 4,000 but i was lucky i took another car i had and  was able to get another new car and  the put 2,200 on to the new loan .they gave me 1,800 for the other car.so yes get gap!!!!!!!!!