Financial Protection
GAP Protection
If your vehicle is totaled or stolen, GAP covers the difference between your insurance payout and what you still owe.
Bridge the financial gap
In a total loss, insurance pays the vehicle's market value — which is often far less than your remaining loan or lease balance. Autto GAP Protection bridges that shortfall so you're not paying off a car you can't drive.
What's included
- Loan & lease shortfall — Pays the difference between the insurance settlement and your outstanding balance.
- Depreciation safeguard — Protects low-down-payment and long-term (72–84 month) financing buyers from being upside-down.
- Deductible reimbursement — Often covers your primary insurance deductible as part of the settlement (up to program limits).
- Clean slate — Walk away debt-free and into your replacement vehicle.
How claims work
When something happens, call us directly at 833-372-7526 or file online at claims.autto.com. We authorize the repair, deal with the shop, and explain exactly what's covered — our average claim time is under two hours.
Need to use this coverage?
Call us or file online — our average claim time is under two hours.