What gap does and does not cover
The smaller the down payment you put on your car, the more likely you are to need gap insurance to help pay off the loan if your car is ever totaled.Read more >
Penny Gusner has been working in the car insurance business for more than 10 years and answering consumer questions for most of that. She has seen it all, and she researches the routine and the bizarre with equal enthusiasm.
Working with CarInsurance.com from its inception, Penny has become an expert on procedures, rates, policies and claims. She can scare up the details or provide the big picture. Yet Penny, with three very active children and a husband with a zeal for quirky cars, is a consumer of insurance as well.
Experience on both sides of the questions gives her a unique perspective as CarInsurance.com's consumer analyst. She looks forward to helping you solve your car insurance dilemmas.