JM&A group Gap Insurance - Only paid half of what was owed on vehicle at time of total loss. Claimed too many miles were put on the vehicle. Deerfield Beach Florida

My car was totalled on 12/17/13. I filed with my insurance company and with JM&A group. I owed approx 3200 dollars more than the car was worth.  JM&A (gap insurance group) only paid half of what was still owed, leaving (ironically) a gap. (Imagine that)  They claimed that, due to excess mileage put on the car, they would only cover 50% of what was owed above what my auto insurance company paid and that this was explained in a contract. I was never shown a contract and was never told that there might be the possibility of the Gap insurance company leaving a gap in what was owed and what was paid, should an accident happen.  This obviously makes it pointless to have the extra insurance. Now, I'm stuck with a 1,630 dollar payoff that I was told would never happen because of the insurance I was buying.