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Does gap insurance still apply if I don't have full coverage on my financed vehicle?

I got into an at-fault accident and didn't have full coverage on my financed vehicle. The dealership says I won't be able to use my gap coverage because I didn't have the right amount of insurance. If I still owe more money on my loan after the claim is paid out, would my gap insurance apply?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
If you didn’t have
full-coverage
 insurance at the time of the accident, your
gap insurance
 won’t apply.
Most lenders require that financed vehicles have both
collision coverage
 and
comprehensive coverage
. Most terms and conditions for gap insurance and loans require that the vehicle owner maintain the proper coverages, otherwise they have no obligation to provide you with coverage.
MORE:
How to negotiate a settlement with insurance claims adjusters
Gap InsuranceCar Financing
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