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! z7 w8 x7 K$ v2 ^ If your car was totaled or stolen, would your insurance cover the full amount that you owe There is a good chance it will not if you took out a loan for most of the price.The solution is often gap insurance, which can be a lifesaver for some drivers with big loans.Unfortunately, a lot of drivers don t realize they need it, until it s too late.Spencer Kidd is one of them.He says his Toyota Avalon was stolen earlier this year stanley website  from a downtown parking spot. It was found two days later, stolen and wrecked,  he said.Unfortunately, he still owed money, a lot of money, on the loan. Close to $20,000,  he said.But shortly after the loss of his car, he learned his insurance company would not cover the ent stanley cup ire loan amount. Their final offer payout was only $13,000,  he said,  based on the value of the vehicle.Tha stanley botella t means he still owes over $6,000, because his car wasn t valued at the amount he owed on his loan, and he didn t have gap insurance, officially known as  guaranteed asset protection. How gap insurance can protect youHow does it work  Simple: If your vehicle is stolen or totaled in an accident, Bankrate explains that Gap insurance covers the difference between what you owe, and its actual cash value.Bankrate insurance analyst Shannon Martin says gap insurance on average runs $100 to $150 per year, though it is often cheaper through your insurance carrier than through a dealership. If you put a low-down payment or a zero-down payment,  she said,  your car is going to lose value fai Ewjd Oregon considers reinstating penalties for drug possession
Buoyed by Pfizer s promising update on a potential COVID-19 vaccine and Saturday s presidential election call, U.S. markets skyrocketed on Monday morning as investors eyed the light at the end of the pandemic tunnel.The Dow Jones Industrial Average jumped more than 1,300 points in the  stanley website moments after trading opened, an increase of about 5%. The NASDAQ saw an increase of about 150 points, or about 1%, while the SP 500 jumped 120 points or about 3%.The Dow closed Monday stanley canada  at 29,157, which is up nearly 3% from Friday s close. The Dow has almost made a full recovery from its February 12 high point of 29,551. The jump came hours after Pfizer announced that is COVID-19 vaccine candidate has been 90% effective so far in promoting protection against the virus in Phase 3 trials. While the announcement does not mean a vaccine is imminent 鈥?in fact, it could be more than six months before most Americans will have a chance to get the vaccine 鈥?it does mean Pfizer is on track to apply for Emergency Usa Authorization in the coming months.Pfizer s stock exploded in early trading Monday, jumping about 3 points or an increase of 8%.Monday continues what has been a roller coaster 2020 for American markets. After the pandemic led to historic drops in February  stanley cup and March, markets have rallied in recent months and erased most of those losses. Monday s gains have so fae wiped out loses from October, which were caused by Congress  decision not to pursue more COVID-19 stimulus before the end of the