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GAP Insurance

Protect yourself against financial loss if your vehicle is stolen or declared a total loss.

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GAP could help cover the costs that your car insurance won’t.

GAP stands for Guaranteed Asset Protection and pays the difference between what you owe and what your insurance company will pay—filling the gap! (Get it?)

The Details

When you purchase a vehicle, it tends to depreciate the moment you drive it away. So, if your vehicle is stolen, or totaled in an accident, you could end up owing more than the vehicle is worth. GAP is designed to pay the difference between the insurance settlement and the loan balance, so you don’t owe money for a vehicle you no longer have.

Additionally, our GAP includes up to $500 deductible reimbursement twice a year.

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Save on your next loan

GAP Insurance may also cancel up to $2,500 of your next loan with us, when you purchase a replacement vehicle.

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Flexible payment options

The GAP fee can be included with your monthly payments or purchased separately.

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90-day trial period

You may cancel GAP at any time. If you cancel protection within 90 days, you will receive a full refund.

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Disclosures

*In order to qualify for the $2,500, you must purchase a replacement vehicle with UMe within 120 days from the insurance check issuance date.