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Does gap insurance still apply if I don't have full coverage on my financed vehicle?
I got into an at-fault accident and didn't have full coverage on my financed vehicle. The dealership says I won't be able to use my gap coverage because I didn't have the right amount of insurance. If I still owe more money on my loan after the claim is paid out, would my gap insurance apply?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Having the correct coverage on your vehicle is essential. Most lenders require that financed vehicles have both
collision coverage
and comprehensive coverage
. If you didn’t have full-coverage insurance at the time of the accident, your gap insurance won’t apply. Most terms and conditions for gap insurance and loans require that the vehicle owner maintain the proper coverages.
“
View full answer
- Gregory R.
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