I understand that there are 3 types of GAP insurace, 1) Finance GAP, 2) RTI GAP and 3) VRI GAP. If have cleared my loan with the bank, would it be useful for me to buy GAP insurance, i.e. RTI / VRI GAP, would insurance companay pay me the difference between the current value of my car and the new replacement value of the car? IN THIS WAY WOULD I BE ABLE TO BUY A NEW CAR ?