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GAP Coverage
Guaranteed Asset Protection (GAP)
Now for cars and motorcycles! With GAP, you have one less worry if your car or motorcycle is totaled in an accident and can’t be repaired, or is stolen and isn’t recovered.
GAP Coverage
Guaranteed Asset Protection goes into effect when you need it most.
GAP pays the difference between your primary insurance carrier settlement and the payoff on your loan, less delinquent payments, late charges, refundable service warranty contracts, and other insurance-related charges. It may even cover your insurance deductible (up to $1,000).
GAP Coverage may be purchased at any time during the life of the loan.
Example: You just purchased a new car for $25,000 with no money down. Six months later your car is totaled. Most new car values rapidly decline 20% to 30% during the first year. Your insurance provider will only cover the market value on the car, not what you owe on it. You would be responsible for the difference. Even with a 20% depreciation that would be $5,000 or more if you financed your taxes and tag fees into your loan.
The purchase of GAP is voluntary and cannot be required as a condition of loan approval. GAP is a loan/lease deficiency waiver and is not offered as insurance coverage. Applies only to collateral financed by LGE Community Credit Union. A fee applies. LGE Community Credit Union and Route 66 are separate entities.
Instant Quote
Protect the investment in your car or motorcycle!
Get an instant GAP quote online or contact us at 770-424-0060 if you need additional information.