I used the company through a loan with Carvana. It ended up being a huge mistake. My credit score was pretty good, so I got a decent rate with them. The vehicle ended up totaled, which began a mess of an experience with Bridgecrest. The company would not do any of their part of the claim process. I ended up having to demand their paperwork and submit it myself. The GAP insurance ended up being exactly the same. I had to do their job for them. They drug out the claim for months, charging me interest. When we finally got to the GAP portion, I stopped paying. They spent two months and failed to submit the paperwork to the GAP company. Again, I demanded the paperwork, submitted it myself, and two days later, they were paid. Then, the next problem was that the company refused to post the payment for over two weeks, getting another missed payment under their belt. They also filed with credit for my missed payments because they didn't want to do their job, and devastated my credit. On top of that, the payments I did make, trying to preserve my credit, that they got paid for through insurance, they refused to refund. It is a very poor company with very shady business practices.