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Owning a vehicle is a large investment. Not only are you responsible for the payments, but you are also responsible for the insurance and maintenance of the vehicle. But what if your vehicle is stolen or involved in an accident? How will you pay for that? RCU offers Guaranteed Asset Protection (GAP) for you to protect your vehicle.

You can protect your vehicle, boat, motorcycle, or RV with GAP. If your vehicle is totaled or stolen, your primary insurance company settlement can be significantly less than the outstanding loan balance. This may cause a "gap" resulting in a serious financial hardship for you. GAP is designed to relieve you of the responsibility for the remainder of the loan balance that your primary insurance carrier does not cover. Essentially, GAP protects you from substantial loss.

GAP is designed to cover new or used vehicles that are financed. It covers automobiles, motorcycles, boats, travel trailers, motor homes, golf carts, jet skis, snowmobiles, and almost any other vehicle.* GAP coverage goes into effect when you need it the most— when your vehicle is totaled in an accident and cannot be repaired or when it is stolen and is not recovered.

GAP covers the difference between your primary carrier’s insurance settlement and the amount of your loan, less delinquent payments, late charges, refundable service warranty contracts, and other insurance related charges. Included in this difference is your insurance deductible, which is limited to $1,000.**

Get a quote for Guaranteed Asset Protection by visiting an RCU office near you.

*Please contact RCU to determine if all of these collateral types are eligible for GAP protection.
**Deductible coverage is available in most, but not all states. Please consult your financing representative for the availability of this benefit.

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