I bought a 2021 Kia Soul last November. I also purchased a Gap Policy through Kia when I bought my vehicle. The Soul was totaled in January. I had the vehicle less then 2 months when it was totaled. I have already purchased a new 2021 Kia Sportage. I greatly regret purchasing again through Kia Motor Finance. My Gap claim has still not been processed due to Kia Motor Finance not sending them the needed documents. I have called over eight times and still the paperwork has not been submitted. A representative from the Gap company even called today and Kia is still not addressing the problem. In the meantime I am still obligated to pay my payments in full on a totaled vehicle. Their customer service team is rude and not at all helpful. When I asked to speak with a supervisor they told me their was no supervisor for me to talk to and no one to help me! I have never had such poor customer service from a finance company. I defiantly do not recommend Kia to anyone. This is terrible because the Kia dealership we went to was amazing and my family has purchased 5 vehicles from them now in the last 3 years. Not anymore. We would have been lifetime customers.