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How do I know if my car has GAP insurance?
I've read that getting in an accident without GAP insurance is playing with fire. I'm lucky, and haven't gotten into any accidents yet, but I want to be as careful as I can. However, my older sibling initially took care of all my insurance paperwork, so I'm not sure exactly what coverage I have. How do I know if my car has GAP insurance?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Good on you for being responsible about your insurance! I’m glad to say you have several ways to check if you have
GAP insurance
:- Check the declarations page of your car insurance
- Call your insurance company
- Contact your lender, as you (or your sibling) may have purchased the coverage through them instead of your car insurance company
GAP insurance, or guaranteed asset protection insurance, is a smart product to have, especially if you’re early on in your car loan and don’t have the cash to pay the difference if your car is totaled—effectively, it helps you pay off your auto loan in case your vehicle is totaled or stolen, and you end up owing more on the loan than the car’s depreciated value.
If you find that you don’t have it on your policy and want to add it, the easiest way to do so is through the
Jerry
app! We’ll get you customized quotes from dozens of carriers so that all you have to do is choose the plan that works best for you—and we’ll even help you switch.Good luck with GAP insurance, and keep driving safely!”
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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