Vehicle Protection Products

Ancillary Coverage 

GAP Programs

GAP protects vehicle owners from financial liability in the event the vehicle is declared a total loss due to accident or theft. When the insurance settlement doesn’t cover the balance owed on the vehicle loan or lease, GAP bridges the ‘gap’ by waiving the difference between the vehicle’s actual cash value and the loan or lease payoff balance up to $50,000.

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Standard 150 GAP

Eligibility: Vehicles up to 12,500 GVWR; Max MSRP $125,000.
Terms: up to 96 months
Maximum Finance Benefit: 150% of MSRP or NADA retail value
GAP Amount: Covers the difference between the net payoff and the vehicle’s ACV on the date of loss, up to $50,000; Covers primary insurance deductible up to $1,000 where allowable by state law.

Standard GAP Optional Surcharges:

  • GAP Plus: Includes a $1,000 credit toward the purchase of a replacement vehicle after a total loss.
  • Commercial GAP: Provides coverage for vehicles used for approved commercial purposes.

Highline 150 GAP

(not available in all states)

Eligibility: Vehicles up to 14,500 GVWR; Max MSRP $175,000.
Terms: up to 96 months
Maximum Finance Benefit: 150% of MSRP or NADA retail value
GAP Amount: Covers the difference between the net payoff and the vehicle’s ACV on the date of loss, up to $50,000; Covers primary insurance deductible up to $1,000 where allowable by state law.

Highline GAP Optional Surcharges:

  • Commercial GAP: Provides coverage for vehicles used for approved commercial purposes.