Topic guide
GAP and total loss
Understand how an eligible loan shortfall is calculated after theft or a declared total loss.
Reconstruct the shortfall
The useful comparison is not only whether GAP exists, but how the contract defines the covered balance, settlement, exclusions, claim deadline, and maximum benefit.
Related resources
A field guide to vehicle protection types
Vehicle service contracts, tire-and-wheel plans, GAP, prepaid maintenance, and appearance protection solve different problems. This guide maps the risk each product is designed to address.
Read the guide