Glad you are ok, for all out there the gap is worth it, second toad we had was 3 months out of the dealership, merging from 905 to I-10 North in San Diego, guy running from the border and being chased by CBP and Highway Patrol hit me 2 times sent me and the toad to center divider, totaled toad we had the gap that paid the outstanding balance and that allowed us to get a new toad, lucky me I had procrastinated in installing the base plate, installed the base plate in new identical toad.
By all means get the gap insurance, you never know what idiot is lurking around.
navegator