GAP Protection
Protect Your Auto Investment
Don't get stuck paying for a car you can't drive—GAP Protection covers the difference when insurance falls short, includes up to $1,000 deductible assistance, and provides $1,000 toward your replacement vehicle.
What Is GAP Protection?
The Financial Safety Net Your Auto Insurance Doesn't Provide
New cars lose value the moment you drive off the lot, but your loan balance doesn't drop as quickly. If your vehicle is totaled or stolen, standard insurance only pays current market value—often thousands less than you owe. GAP Protection eliminates this financial gap, ensuring an accident doesn't leave you paying for a car you no longer have.
Covers the difference between payout and loan balance*
Protects against depreciation
that outpaces loan pay-down
Eliminates remaining debt after total loss claims
Preserves your credit by preventing loan default
Affordable protection you can add to your loan
Because owing money on a totaled car adds insult to injury.
Real-World GAP Example
See How GAP Saves Thousands
Understanding GAP's value becomes crystal clear with real numbers. Consider this common scenario that plays out daily across America: your vehicle is totaled, insurance pays fair market value, but you still owe more on your loan. Without GAP, that difference comes from your pocket—with GAP, you walk away debt-free.*
Example: if you owe $25,000 on your loan but receive a $20,000 settlement, you’d be left with a $5,000 balance. With GAP coverage, that remaining amount is taken care of. Additionally, our GAP coverage includes GAP Plus, which pays $1,000 toward the purchase of a replacement vehicle.
One accident, $6,000 in savings—that's GAP's power.
Deductible Assistance Benefit
Get Money Back When You Need It Most
Beyond covering loan shortfalls, GAP provides a Deductible Assistance benefit to reimburse your out-of-pocket deductible when your vehicle is repaired after an accident. This often-overlooked benefit reimburses up to $1,000 of your deductible per covered accident–money that stays in your pocket during an already stressful time. You can even use this benefit twice in a 12-month period.
Up to $1,000 reimbursed
per insurance claim
Use twice per year
for multiple incidents
No waiting period— immediate coverage
Works with any deductible amount
as long as the insurance settlement exceeds the deductible
Direct deposit to your DFCU account
to ease financial stress
Turn your deductible from expense to refund.
GAP Plus Benefit
$1,000 Toward Your Next Vehicle
The stress of losing a vehicle extends beyond paperwork—you need reliable transportation immediately. GAP Plus pays $1,000 toward the purchase of a replacement vehicle when financed through DFCU within 120 days. This benefit applies even if your insurance fully covers your loan balance, making every GAP policy valuable regardless of your equity position.
$1,000 credit
toward principal balance once new loan closes
120-day window
to use after settlement
Must finance through DFCU for benefit
Applies even when insurance settlement pays off loan
Improves equity position on new loan
by paying down principal
From total loss to fresh start—we've got you covered.
Comprehensive Member Benefits
Protection That Goes Beyond Basic Coverage
GAP Protection from DFCU isn't just about covering loan balances—it's comprehensive financial protection designed for real-world scenarios. From protecting your credit score to providing replacement vehicle assistance, every aspect addresses the cascading financial impacts of a vehicle accident.
Prevents loan deficiency
from affecting credit
No out-of-pocket cost
—finance coverage with your loan
90-day full refund
if you change your mind
Add anytime
—before a loss occurs
Low-cost protection
—value outweighs the cost
Complete protection for your complete peace of mind.
Deductible Assistance Claim
Need to Make A Claim?
Our staff is ready to help process your claim, just follow these steps:
Step 1:
Get proof of insurance carrier
claim on the vehicle.
Step 2:
Obtain proof of deductible payment
to the body shop
Step 3:
Get a copy of the declarations page identifying the vehicle and the deductible
Step 4:
Step 4:
Email all of these documents
to lending.loanprotection
@dfcu.com
Don't Let Depreciation Leave You Stranded With Debt
Every day you drive without GAP Protection is a day you risk owing thousands on a vehicle you can't use. With coverage this comprehensive and affordable, protecting yourself from financial gaps just makes sense. Get your free quote and discover how little it costs to eliminate a major financial risk.
Become a Member Today
Become a Member Today
Church members and immediate family members can join the credit union.
*Exclusions apply. See terms of the GAP agreement.