Who killed the world ? <| sep |> I can ' t believe they offered gap insurance on a totalled car . Can ' t believe they lent you money either . How much did gap insurance cost ? Realize gap insurance often has a max amount they will pay . Read your paperwork <| sep |> I ' ll follow up with you in about ~ 6 hours if you ' re still around ! <| sep |> I highly recommend the Patagonia P i o l e t p i o l etjacketforalpineclimbing 83381 . html ? dwvar 83381 c o l orFGEcgidmensjacketsvests # tile 6 prefn 1 fabricprefv 1 goretexstart 1 sz 24 GorTex jacket . I ' ve had mine for over a year living in the pacific northwest and it is far better then any rain jacket I have previously owned . As a company Patagonia is pretty dialed , even if your product tears or rips due to use and abuse no jacket is indestructible they offer super cheap , sometimes free , repair services