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Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida, including from our Central Florida office in Orlando. Our dedicated experienced personal injury attorneys handle a range of legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.

The Trial Pro, P.A. attorneys, carry more than a century of collective legal experience and decades of working together as a team. We have represented hundreds if not thousands of people who have been injured due to car accidents, slip-and-fall, worker's compensation cases, and more. One thing that is clear to us is the essence of partnership. Without it, Trial Pro, P.A. could not be as effective in attaining success for our clients.

Is Gap Insurance Worth It?

Frequently Asked Questions - Is Gap Insurance Worth It?

When deciding if Gap insurance is right for you there are some questions you must ask yourself.  The most basic question is can I afford this.  This is the first thing you should ask yourself when making any purchase to make sure that this isn't going to cause financial harm in your situation.  Affordability is important, but there are other factors that need to be included in your measure of if it is worth the extra security.  Even if you feel gap insurance isn't completely necessary the stress you save if something happens far outweighs the costs.  So for solid protection Gap insurance is the way to go to add more protection for you and your financial future.

Gap insurance or Guaranteed Asset Protection insurance is an optional coverage that will help you when your car is declared a total loss due to a covered incident.  This is the gap between what is financed and the car's value at the time of the event.  An example would be if you owed $14,000 when the car was totaled but the actual value is only $11,000.  Gap insurance along with your regular insurance will pay off the loan amount or what is owed.  It does not pay what was originally paid for the vehicle.

Reasons that make getting gap insurance a necessity would be if you owed more on your car than its worth, car loans that require it, or having a lease that requires it.  If you own your car or owe less than the value there isn't a reason, but for protection of your credit, this is vital.  Cost is something most people think of first when thinking of this added protection.  The cost isn't as expensive as the broader coverage, but there are factors that are used to calculate, such as previous claims, what state you reside, the actual value of your car, and your age.  Your agent will be able to give you quotes and remember this type of insurance is only needed for a short time until the gap between what is owed and your actual value balances out.

So for many in the right circumstances, this type of insurance is a good buy.  Everyone believes themselves to be a safe cautious driver, but everyone forgets not everyone else is.  If you can pay the gap in your loan vs. auto you might be better to just take your chances.  But, how many can realistically do this.  This type of insurance, like most other insurance, makes better sense for the many who could not handle this type of financial burden.  No one wants to pay any more for insurance than they have to, but having a sense of being covered is somewhat peaceful.  Even though paying your claim is important when the time comes, it's just as important to know you are covered every single day and time you are on the road.

Like any insurance, Gap insurance gives you financial security for the peace of mind you feel when you aren't worried about your income is enough to cover your expenses.  It also means that you have enough money to cover emergencies and reach your future financial goals.  When you are financially secure and stable your stress levels go down, leaving you free to focus on other aspects of your life like your friends and family.  Being financially secure gives you the knowledge of what your assets and liabilities are, as well as how your income looks when compared to your expenses.  For really good financial security, individuals need to make a budget that looks at your current needs and long-term goals and you should also include insurance to cover the what if's in life.

Driving and having a car is essential in today's society because it gives status and opportunity for personal control and autonomy.  In rural communities having a car is even more important because it gives people the opportunities to travel long distances for jobs and exploration.  For older people driving is sometimes the only option for independent mobility.  The discovery of automobiles has been one of the most important innovations to date and they play a very significant role in society.  Automobiles have emerged as a basic necessity for most people.  Cars have given our society a huge boost in our ever-growing economy, as well as become markers in social identity.  Many are judged by the car they drive, so what better way to protect what you have with Gap insurance.  If your lifestyle gives you the opportunity to have accumulated a wealth Gap insurance will protect this.

Personal insurance is health, disability, life, liability, and property insurance and the purpose of insurance is to guard against risks.  Every day we are at many risks which can cause a financial disaster.  Accidents, property damage, illness, and death are risks we often consider.  However, other risks such as the possibility of being sued are also important.  We each have to decide how we will protect ourselves should a risk become a reality.  If you don't plan for it you might go into debt, use up what you have saved, or worse go bankrupt.

Good risk management strategies protect people from catastrophic financial losses.  Good insurance coverage against setbacks is essential.  Smart consumers can get coverage at a cost that helps them the flexibility in finances to get other goals without being without solid insurance in place.  Risk management strategies along with savings and investments will help to achieve financial goals.  Insurance helps you keep these goals.  Make sure that your strategies in getting insurance are the best return for the money.  Key is finding insurance protection that can be bought cheaper so that you can invest the savings for even a greater return.  In today's society one thing is for sure protecting your credit is just as vital as anything you can do for your future, so if you fit into Gap insurance guidelines one thing is for sure you need it.

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Personal Injury Attorneys
Committed to Your Personal & Financial Recovery


Our goal is to make the process as easy as possible for you. You don't even have to come into our office if you cannot travel or adjust your schedule to make it to us. We're more than happy to come to you!

In addition to traveling directly to our clients, the team at Trial Pro, P.A. also pledges to provide clear advice and regular client communication. We know how vital regular contact with our clients is - we never leave you hanging or delay our responses. 

Mobirise
Orlando Personal Injury Attorneys
After experiencing an automobile accident, the last thing you desire is to have an attorney at hand that doesn’t know how to represent you adequately. You want a reputable law firm that will.
Personal Injury Attorneys
Serious Representation
We put our knowledge and legal abilities into action to assist you to attain a positive outcome and ease the legal stress from your shoulders simultaneously. Trial Pro, P.A., holds a reputation for achieving real success for clients. Please leave it to us to fight wisely but aggressively. 
Personal Injury Lawyer
Unmatched Case Results
Experiencing a car accident can be frustrating and scary, but our promises to you are fully authentic. Trial Pro, P.A.'s injury legal attorneys, do not under-deliver. Instead, we do everything in our capabilities to go above and beyond your expectations. 
Car Accident Lawyers
Committed to Our Clients
It would help if you didn't have to beg for a call back from your attorney. It would be best if you didn't have to beg for an update on your case. At Trial Pro, P.A., we don't operate in that manner. We constantly call our clients to give them updates on their claims. If we miss a call, we promise always to return it.
Orlando Car Accident Lawyer
Compassionate In & Out of Court
Our objective is to enable our clients to relax and concentrate on healing, recognizing that the legal professionals at Trial Pro, P.A. holds the knowledge and resources to adequately tackle all the legal and financial specifics associated with their dispute.
Pursuing Client Victories

Based in Florida, Trial Pro, P.A. represents clients across Florida from our offices in Miami, Orlando, Ft. Myers, Naples, Delray Beach, Jacksonville, and Daytona Beach. We are dedicated to fully serving you to every degree. We vow to make the entire process of working with us as easy and as stress-free as possible. Therefore, we are more than happy to meet with you at your home, place of employment, hospital room, or other business that you find more convenient. You are always welcome to come into our office as well.

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 Our Locations
Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida. Our dedicated, experienced personal injury attorneys handle various legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.

Trial Pro P.A. Orlando Office

  (407) 300-0000

 250 N Orange Ave 14th Floor
Orlando, FL 32801


Trial Pro P.A. Tampa Office

  (813) 522-5444

 1000 N. Ashley Drive, Suite 512
Tampa, FL, 33602


Trial Pro P.A. Naples Office

  (239) 300-0000

 870 111th Ave N #1
Naples, FL 34108


Trial Pro P.A. Fort Myers Office

  (239) 400-5000

 9341 Marketplace Rd
Fort Myers, FL 33912


Trial Pro P.A. Melbourne Office

  (321) 586-2088

 2551 W. Eau Gallie Blvd., Suite 102
Melbourne, FL, 32935

Contact Info
250 N Orange Ave, 14th Floor
Orlando, FL 32801
help@trialpro.com
(407) 300-0000


Our law firm fights aggressively -- always determined to win your case. 

Trial Pro, P.A. Car Accident Attorneys
Trial Pro, P.A.

The information on this website is for general information purposes only. The Information presented at this site should not be construed as formal legal advice nor the formation of an attorney-client relationship. For medical advice and treatment, you should contact a licensed medical professional.