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Guaranteed Asset Protection (GAP) insurance is your reassurance that if something happens to your vehicle (stolen and not recovered or totaled in an accident and is not able to be repaired) and your insurance settlement doesn’t cover the balance of your loan, you’ll be taken care of. GAP insurance covers the amount between your vehicle’s value as set by the insurance company and the balance you still owe on it.

  • VCCU offers GAP insurance for $325.
  • VCCU’s GAP Insurance may cover up to $1,000.00 of your primary insurance company’s deductible.
  • The deductible will only be paid if there is a deficiency balance on the loan.
  • Auto Deductible Reimbursement (ADR) pays up to $500 per loss (limit of two losses per year) when a claim is filed and paid with your primary insurance carrier.
  • Coverage of ADR is effective upon date of enrollment and will continue for three years.

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