Can I use gap insurance on my brand-new vehicle in Washington?

My brand-new truck was totaled three weeks after I purchased it. I haven't even made my first payment. While I do have gap insurance, will it apply since I haven't even made a payment on the vehicle yet?

Answer provided by
Emily Maracle
Answered on Apr 30, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Even though you haven’t made your first payment on your vehicle, your gap insurance should still apply.
As you’ve signed a contract, it is legally binding. If the gap insurance fee hasn’t been charged yet, you may be required to pay it out of pocket.
You should reach out to the lender to find out what documentation they will require for the claims process. You will also most likely be required to begin making your loan payments, even though the vehicle has been marked a total loss. Be sure to do this as you can jeopardize your credit and future car loans if you miss payments. “

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