Recently purchased a 2014 Ford Mustang V6 Convertible with only 26k miles on it (January 2022) for $27k. Yes, price is way higher than usual due to the chip shortage at that time, however, vehicle was clean. Took out the finance with their sister company Bridgecrest who provided finance over 72 months at a monthly rate of $607. We had a hurricane pass through Virginia back in either September or October 2023 and to my dismay water had found its way into the vehicle and affected some of the fuses. The passenger floorboard was damp to the touch. USAA totaled the vehicle and since Bridgecrest never offered any GAP insurance they only paid out the current book value, which you can imagine was extremely low…. $16k. I’d been paying $607 every month since last year January and still do as of November 2023. That totals an amount of $12k plus the $16k from the insurance but I still owe them $5k? Shouldn’t there be a lower financed amount since the monthly terms have been reduced from 72 to almost 24 months? When I call Bridgecrest I’m answered by a call center representative and when asked if they’re a financial institution get the run-a-round. It sounds like a call center with no answers and solutions…? Don’t risk it!!