JM & A Group Jim Moran & Associates, Inc. Refused to pay for the protection that I already paid for Deerfield Beach Florida

With JM&A as with other GAP policies, they have a percentage rule. (In this case 90%) In short, it's saying that if the insurance company gives you less than 90% of the value of the car for the total loss, they end their coverage.  Example: If You owe $11,000 on the vehicle and it's valued at $10,000.  The insurance company totals the vehicle and values it at $9,000.  They would pay in full.  However, if the insurance company valued the vehicleat $8,000, then JM&A would pay $2,000 which covers down to 90% of the value, and you'd be responsible for the remaining $1,000.  

Here's why gap companies do this: There have been instances of insurance companies taking advantage of gap policies.  If a car is worth $10,000, one can't possibly expect the Gap company to allow an insurance company to give $2,000 for the car just because they know gap will cover the difference.  The gap company would have to pay $8,000 that would be the insurance company's responsibility.  Additionally, they can't arbitrarilly decide, on a case by case, basis how much to pay on each car.  The line has to be drawn.  In this case, they're saying they'll allow the insurance company to value the car at 10% less than the NADA value, but then they draw the line.  

I have no doubt that you were ripped off here, but I believe the question should be "Why is my insurance company giving me less than the NADA value of my car?" 

Side note: I am not a representative of this company.  I own an auto buying service and have several years experience in the Finance Office at various dealerships.  This is simply knowlege I've obtained from thoroughly reading the front and back of contracts through the years.  I hope it helps you understand what hapenned.