If it was never disclosed that it was in an accident, you may have some legal recourse against the person who sold it to you. Its not hard to find someone since you have his full name and a previous address on the title right? I would get the legal advice and check into it.

 

As stated earlier, you're fucked.

 

So I'm assuming you owe more than the $6k that the insurance company is going to pay out, or else you wouldn't need gap insurance...?

 

Of all the other big name insurance companies you have Travelers? Are you under your parents policy? How much is an 05 TC with 72k worth anyways?