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What is Guaranteed Auto Protection?
Guaranteed Auto Protection (GAP) offers protection against financial liability for individuals who finance a new or used vehicle. GAP protects the individual against financial loss in the event that their vehicle is damaged beyond repair (totaled) or stolen. If GAP is in place, the covered deficiency balance is waived.

What does GAP cover? In today's automobile market, during the first few years that you own your vehicle, your loan balance can be higher than its actual cash value (ACV). As your car's value declines, your loan balance can be higher than the value.

If your car were to be stolen or destroyed in an accident, you would be liable to pay the difference between your insurance settlement and your outstanding loan balance. GAP covers the difference between the market value of your vehicle (ACV) and the loan balance, less delinquent payments, late charges, refundable service warranty contracts and other insurance related charges. Also, GAP will cover your insurance deductible, up to $1,000.

Loan balance after 1 year


Insurance settlement


GAP pays


Without GAP coverage, you would have to pay the difference ($5,000 in the example above) out of your pocket in order to pay off your loan. Guaranteed Auto Protection is a loan deficiency waiver and is not offered as insurance coverage.