Does gap insurance cover a vehicle that has liability insurance only?

My husband's 2019 Dodge Journey is totaled and he only has liability insurance. He still owes $20,000 on his loan. His car is worth around $16,000. He does have gap insurance, but will they pay the difference if he had liability only and not full coverage?

Answer provided by
Emily Maracle
Answered on May 03, 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.
“You will have to reach out directly to the gap insurance provider to find out if the Journey will be covered.
Normally, this is a situation where gap insurance would kick in. However, most lenders do require that you carry comprehensive coverage and collision coverage on a financed vehicle.
Since your husband’s car only had liability coverage, his gap insurance claim could be denied.
Additionally, if the accident was his fault, most insurance carriers won’t cover the damage done to his vehicle. If he was not at fault, the other driver’s insurance should pay for the damage done to the vehicle. You’ll need to reach out to his insurance company to find out what will or will not be covered. “

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