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Guaranteed Asset Protection
On your totaled car, pays the remaining loan balance that auto insurance won't
GAP
Protect yourself from paying out of pocket after a total loss.
If your vehicle is declared a total loss or unrecovered theft, your auto insurance settlement may not cover your entire loan balance. GAP can help cover the remaining amount and provide additional benefits to help you get back on the road.
How GAP Coverage Works
When a vehicle is totaled or stolen, insurance companies typically pay the vehicle's current market value, not the amount you still owe on your loan.
If your loan balance is higher than your insurance settlement, GAP coverage helps waive the difference between what you owe and what your insurance company pays, subject to terms and limitations.
Example
- Remaining loan balance: $28,000
- Insurance settlement: $24,500
- Potential "gap": $3,500
GAP coverage can help protect you from having to pay that remaining balance out of pocket.
At DCU, our GAP coverage includes GAP Advantage, providing more than the average GAP.
Additional Benefits Available with DCU’s GAP Advantage
In addition to standard GAP coverage, GAP Advantage includes:
$1,000 Towards Your Next Vehicle Loan**
If your vehicle experiences a total loss and you finance a replacement vehicle with DCU within 90 days, you'll receive a $1,000 credit toward the financing of your replacement vehicle.
Deductible Assistance
GAP coverage may include up to $1,000 of your auto insurance deductible when there's an eligible GAP claim. (Not available in New York or Alaska.)
Additional Peace of Mind
- Helps reduce unexpected out-of-pocket expenses after a total loss
- May help prevent a deficiency balance from carrying over into a replacement vehicle loan
Why Members Choose GAP
- Protection when insurance doesn't fully cover your loan balance
- Up to $1,000 toward a replacement vehicle financed with DCU
- Potential deductible assistance up to $1,000
- Helps reduce financial stress after a total loss
853 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
ABA Routing Number: 211391825
NMLS# 466914
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Federally insured by NCUA
