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What is GAP?

Are you covered if something happens to your vehicle?

If your vehicle is totaled in an accident or stolen and not recovered, the insurance settlement is based on the actual cash value, not the outstanding loan balance. This could create a loan “gap” money you owe on the loan after the insurance company pays its portion. Optional GAP may cover the difference between the outstanding loan amount and the actual cash value and covers up to $1,000 of your deductible.

GAP Frequently Ask Questions

What is a qualifying Vehicle?

  • GAP may cover up to 150% of the MSRP for new vehicles or 150% of the Actual Cash Value for used vehicles
  • Refinanced vehicle loans if the vehicle qualifies

How much does it cost?

  • There is a one-time fee of $449 for new or used vehicles, which can be financed as part of your loan. If you cancel GAP within 90 days, you will receive a full refund. Many dealerships charge $800 to $1000 for the same protection, and may not cover the GAP our product does!

Mechanical Repair Coverage(MRC)

When you experience a mechanical failure, we have you covered. Help ensure your vehicle is protected and reduce the possibility of out-of-pocket expenses when your vehicle suffers unexpected repairs or breakdowns. In addition to pricing that is a fraction of what others may charge, we offer a comprehensive benefits package designed for maximum convenience and comfort in the event of a mechanical breakdown.

  • Substitute Transportation: up to $50 per day (10-day maximum); available on the first day of a covered repair; benefit is rental reimbursement and is limited to $35 a day in CA (5-day maximum, 10-day maximum for parts delay).
  • Available on most new and pre-owned vehicles
  • Choose your deductible: $0, $100, $250 or $500
  • Add-on Term/Miles provides add-on term/add-on miles so the member only pays for the amount of coverage they need. Coverage does not revert back to original vehicle in-service date.
  • Key replacement up to $800 per occurrence for the repair or, if nonrepairable, the replacement of lost, stolen, or damaged keys (including fob and/or remote) including any programming.
  • Paintless dent repair provides for the repair of dings and dents, no larger than 4 inches in length/diameter, that are within an accessible area on a body panel of your vehicle and that are repairable through existing paintless dent repair techniques.
  • Rental reimbursement up to $35/day for 5 days (up to an additional 5 days with verified parts delay) from day one.
  • 24-hour emergency roadside assistance up to $125 per occurrence. Includes towing, battery Jump-start, fluid delivery, flat tire assistance & lock-out service.
  • Travel expense reimbursement: up to $200 per day (5-day maximum) for lodging, food and transportation expenses when a covered breakdown occurs 100 miles or more from home and your vehicle is held overnight at a repair facility; not available to residents of NY.
  • Rideshare: pays for covered breakdowns when your vehicle is used for ride-sharing purposes such as Uber or Lyft.
  • Good at any authorized repair facility in the U.S. or Canada.
  • No out of pocket expense except any deductible. Plan pays the repair facility.
  • Cancel within first 60 days, and receive a full refund for an unused agreement, or a pro-rated refund thereafter less an administrative fee.

Mrc coverage information (PDF 468kb)

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