Check this out.
I leased a 2004 Pontiac GTO. At the GM car dealer I bought GM gap insurance, and was told that GAP insurance would make sure that I didn't owe any money on the car if it was totalled. Well, guess what? The car was totalled, and GM GAP insurance through GMAC on a GM Car was NOT enough to pay the lease, so pretty much I get stiffed with a giant bill while I'm trying to make a payment on a car that replaced. Keep in mind that the whole GAP process is completely unaccountable and outsourced to India. There's no tracking, no confirmation, nothing.
There's no one to talk to there about WHY this took place. The only answers I could get were bureacratic nonsense and shuffling from one number to another. What's up with that? I tried to talk through with this to GM, and, all they did was run me around from one department to another, but at the end of the day, they basically broke their word on the GAP coverage, and left me with a giant bill.
GMAC already has the WORST customer service simply by virtue of it not having a web based payment system, and, they lied to me. I'll never buy another GM car again, or at least not finance through them, simply because they lied to me about what GAP was about, they shuffled me around endlessly, and then still stuck me with a giant bill at the end of the day.
I hope everyone at GMAC rots in h-ll.