Insurance Products

Do you want to ensure your loan is paid in the event of an unexpected emergency? The following product offers outstanding protection at a reasonable cost.

GAP Insurance

Gap insurance can provide valuable protection during the early years of your car’s life if you have a loan or a lease.

If a loss occurs, GAP insurance will pay the difference between the actual cash value of the vehicle and the current outstanding balance on your loan. Sometimes it will also pay your regular insurance deductible.

If your vehicle is totaled by accident, theft, fire, flood, tornado, vandalism, or hurricanes your insurance company typically pays the actual cash value of the vehicle. That amount may be less than its actual retail value. It is often considerably less than the actual amount you still owe on your loan. Typically a new car is worth approximately 20 percent less in 3 months than the day it was purchased! Car owners often assume that if their car is totaled, it will be replaced at the amount they paid, or at least the amount they owe. This is not so. GAP insurance is a perfect solution to cover the ‘gap’ between what the insurance company will pay and what is owed on your loan.

The purchase of consumer credit insurance from the creditor is not mandatory and is not a condition for obtaining credit approval. Ask one of our loan professionals for details on any of these products.

*Not FDIC Insured

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