Why wasn't I able to add gap insurance to my Jeep Wrangler?

When I purchased my Wrangler a year ago, my dealership said they couldn't add gap insurance because I'm in the military. My friend just bought their car and the dealership allowed them to add gap insurance, even though they're in the military as well. Was I lied to?

Answer
“Based on when you purchased your Wrangler, the dealership wasn’t lying to you. Up until very recently, the Department of Defense had rules and regulations regarding military members and credit services.
The Military Lending Act limited what types of services were available to military members to protect against predatory lending practices. Gap insurance was included in this regulation.
However, the Department of Defense has recently amended the laws to allow easier access to these services. Since your friend just purchased their vehicle, this would be why they were able to add gap insurance.
If you’d still like gap insurance, it is possible to obtain it. Reach out to your current carrier to find out if they offer it.
If they don’t, you can shop around. Most major carriers offer some form of gap insurance. They also usually offer a military discount. “
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Emily Maracle
Answered on May 10, 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.
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