Will my gap coverage kick in if my auto insurance policy is canceled?

My car was totaled in an accident. The problem is when I filed my claim, I found out that my insurance policy got canceled for non-payment! I had no idea. Will my gap coverage still be in effect since the other insurance company is paying out for my car?

Answer provided by
Shannon Martin
Answered on Apr 29, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“This is a terrible predicament to be in. Gap insurance is just like any other type of coverage, so you will need to read your contract.
There will be a list of exclusions in your contract and these can differ from company to company. If the exclusion states that you must have an active insurance policy, then you will not be covered. I suggest getting in touch with the carrier for your gap coverage directly.
Also, get a new car insurance policy started as soon as you can! Try giving Jerry a try. This free app will shop with over 40 carriers and can usually start a policy for you on the same day. “

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