What Does Gap Insurance Cover?

Tiny car with insurance documents

When you purchase a new vehicle at Weir Canyon Acura in Anaheim, there will be several insurance options and coverages for you to choose from. While there are a variety of insurance options, we recommend Gap insurance coverage for your new vehicle. But what does gap insurance cover? What does Gap insurance do? Essentially, Gap insurance covers the gap between what you owe on the vehicle and the true cash value of the vehicle at the time of an accident. Let’s dive into what Gap insurance covers below.

What Does Gap Insurance Do?

So, what does Gap insurance cover exactly? Gap insurance covers several issues you can run into with your vehicle. For first-time Tustin buyers, Gap insurance is only meant to cover any damage to your vehicle, not bodily injuries or damage to property. This is very important to keep in mind when an accident occurs and you’re looking at what is and is not covered. But, what does Gap insurance do? It covers the following: 

Gap Insurance Covers:

  • Theft
  • Fire
  • Vandalism
  • Accident
  • Acts of nature (tornado, hurricane, flood, etc.)

Gap Insurance Does NOT Cover:

  • Deductible (though some gap insurance policies allow this)
  • Engine failures and other mechanical repairs/malfunctions
  • Death
  • Extended warranties

After asking, “What does Gap insurance do?” Always remember that it’s meant to cover complete loss when an accident happens. While it is optional coverage, call your insurance company near Montclair to discuss it.

Do I Need Gap Insurance?

Besides asking, “What does Gap insurance cover?” You’re probably asking if you actually need it too. Honestly, no, you do not need it but we our finance team highly recommends it. Gap insurance is extremely helpful when a dealership offers any Costa Mesa driver a plan with a deductible coverage. Gap insurance helps you save money at the time of an accident, provides you with peace of mind, and offers you protection that some insurance coverages do not.

Explore Finance Options at Weir Canyon Acura

Now that we’ve answered, “What does Gap insurance cover?” Contact us with additional questions about insurance plans and useful car-buying tips before you purchase that new MDX


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