PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
What happens if I get into a not-at-fault accident with my Audi and I don't have gap insurance?
I have a financed 2016 Audi A3 and I still owe $22,000 on my loan. My insurance marked it a total loss and I don't have gap insurance. If I do get a check from the other driver's insurance company, does that get turned over to my insurance? How can I pay my loan?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If you get into an accident and don’t have
gap insurance
, you will need to pay whatever you owe on your loan after the other driver’s insurance pays out. Once the other driver’s insurance company determines the actual cost value of your vehicle, they will issue a check. Normally your insurance will work with the other driver’s insurance, so they may receive the check first.
From there, they will pass it along to you or send it to your lender. Since your vehicle is financed, it may be a requirement of your loan that the funds be applied directly to your balance.
Should there still be a balance after the payout, you’ll need to continue to make your loan payments until it is paid off. “
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies