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Does gap insurance cover repairs?
My vehicle was damaged in an accident. I was at fault. Will my gap insurance cover the damage?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If your vehicle is damaged in an accident and requires repairs, your
gap insurance
would not apply.Gap insurance only covers the difference between what you owe on your loan and the actual cash value of your vehicle after it is marked a total loss. Coverage won’t apply when a vehicle only needs repairs or maintenance.
However,
collision insurance
will cover the damage if you have it on your car insurance policy. Without it, you have to pay for repairs out of pocket.Want to add collision coverage to your policy or find new collision coverage? Download the
Jerry
app to compare rates from dozens of reputable car insurance carriers.”View full answer
- Gregory R.
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